It is important to make sure your credit report is accurate and you have not become a victim of identity theft. Identity theft occurs when thieves steal your personal information (e.g., your Social Security Number (SSN), birth date, or credit card number(s) and use your identity to commit fraud or other crimes.
If you believe you are a victim of identity theft, the Federal Trade Commission (FTC) recommends you immediately take the following actions:
- File a report with your local police, and get a copy of the report.
- Contact your creditors about any accounts that have been changed or opened fraudulently. Ask to speak with someone in the security or fraud department.
- Follow up in writing and include copies of supporting documents.
- Keep records of your conversations and all correspondence.
- Use the Identity Theft Affidavit at www.ftc.gov/idtheft to support your written statement.
- File a complaint with the FTC using the online complaint form (www.ftccomplaintassistant.gov) or call the FTC ID Theft Hotline.
- Ask for verification that the disputed account has been closed and the fraudulent debts discharged.
You may have experienced identity theft or other forms of financial abuse in a domestic violence situation. If an abusive partner took out credit cards in your name without your knowledge or used your name in other ways (such as to rent furniture) without your permission, contact a local domestic violence program or legal services provider for help. See womenshealth.gov/violence/.
You can learn more about identity theft b
- Calling the FTC’s Identity Theft Hotline at 1-877‑IDTHEFT (438-4338) or visiting www.ftc.gov/idtheft.