Identity Theft & Fraud
I think I might be a victim of fraud or identity theft. What should I do?
If you think you are a victim of fraud or identity theft, contact us immediately at (866) 486-7782. We will help protect your accounts and provide important next steps.
Other key steps to take:
- Review all your accounts for signs of unauthorized activity. Report any discrepancies you find.
- File a report with the local police if you suspect that your personal information was stolen. A police report can help as you try to resolve the situation.
- Report the criminal activity to the Federal Trade Commission (FTC) online or by phone at 1-877-ID THEFT [(877) 438-4338].
- Contact the major credit bureaus and request that a "fraud alert" be placed on your file. This requires creditors to verify your identity before opening any new accounts in your name or changing existing ones. You only need to contact one bureau to do this—that bureau will notify the others.
Here’s where you can reach the three major credit bureaus:
- Review your credit report to see if any fraudulent accounts have been opened. Request one from each bureau, as the information can differ. If you see any fraudulent activity, notify the credit bureau and the companies where the accounts were opened.
- Contact your other creditors to notify them of potential fraud, and always follow up any phone conversations with a letter. Close any accounts that have been compromised and reopen them with new account numbers and passwords.
- You may also want to reach out to the following: US Postal Service if you believe your mail was stolen or redirected; your state’s Department of Motor Vehicles office if you believe someone is trying to get a license or identification card using your information; and the Social Security Fraud Hotline at (800) 269-0271 if you suspect someone is using your number for fraudulent purposes.
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