Debt Consolidation. Our Credit Counseling services can help

 
Identity Theft - What you can do when it happpens.

The information provided below is a list of major resources to contact in the event that you believe you are the victim of identity theft. The sad thing, it becomes your responsibility to resolve the problem. You must act quickly to minimize the financial damage that can be caused.

Call the three credit reporting agencies immediately here are the phone numbers:
# Experian 1-800-682-7654
# Equifax 1-800-685-1111
# Trans Union 1-800-916-8800

When you call you should report the theft of your credit cards or credit card numbers. You should also add a victim’s statement to your report, which states in writing that your credit cards have been stoelen and used fraudulently. Ask the credit bureaus for any creditor names and phone numbers of new accounts that have been opened in your name.

You need to contact all of your creditors with whom your name has been used fraudulently. Contact both by telephone and in writing if you can as well so you have all bases covered. When you call ask for replacement cards with new account numbers, and ask that the old accounts show as closed at the consumer’s request.

Since this is a crime it should be reported to the authorities immediately and keep a copy of the police report. Some credit card companies require a police report to verify that the crime occurred.

If you have checks stolen you should put a stop payments on all outstanding checks that you are unsure of. Cancel your checking and savings accounts and open new accounts with new account numbers. Report any stolen checks to the check verification companies as well.

If your ATM card has been stolen you should report it immediately as well. Request a new card and a new account number also be sure to use a new password. When choosing a password, try not to use any common numbers or numbers that are easy to figure out, such as birthdates, phone number, or social security number.

If someone is using your driver’s license number on bad checks, you may have to change your driver’s license number. You must call the Department of Motor Vehicles to see if another license was issued in your name. You must also fill out the DMV complaint form to begin the fraud investigation process. Send the complaint form and all supporting documents to your local DMV investigation office.

If someone filed a change of an address in your name notify the local postal inspector if you suspect an identity thief has filed a change of your address with the post office or has used the mail to commit credit or bank fraud. See if you can find out where fraudulent credit cards were sent. Notify the local postmaster for your address to forward all mail in your name to your own address.

Above is just a few things that can be done for various forms of identy theft.

Debt Consolidation and credit counseling can assist you with financial troubles. Get out of debt today
- posted by Kimberly Credit @ Debt Consolidation & Credit Counseling