What to do about Identy Theft or Credit Fraud

identity-theft-fraudTo download this information click–> ID THEFT RECOVERY STEPS

1) Report the ID Theft to your local police.  This is important in case you encounter problems later.

2) Contact any banks or stores who have had fraudulent activity to report the ID Theft and see what action from you they require.  This may be a time you need the police report.

3) Report identity theft to the Federal Trade Commission.  You can do this online at  https://www.identitytheft.gov/   This is to report the theft to the FTC and by entering all the pertinent information you will be able to print a report which can be used to report the theft to the police, credit bureaus and any creditors which have been affected.  If you would rather have a paper form, contact us and we will get you one.

4) Place your free 90-day fraud alert by contacting one of the three credit bureaus. That company must tell the other two.

  • Equifax 1-800-525-6285
  • Experian 1-888-397-3742
  • TransUnion 1-800-680-7289

 Why place a fraud alert?   A fraud alert can make it harder for an identity thief to open new accounts in your name. When you have an alert on your report, a business must verify your identity before it issues new credit in your name. You can renew the fraud alert after 90 days.

5)  Review your credit reports for fraudGo to https://www.annualcreditreport.com or call 1-877-322-8228 to get your free credit reports from Equifax, Experian, and TransUnion.

 What if I already got my free credit report this year? You can pay to get your report immediately. Or you can get free reports by following the instructions in the fraud alert confirmation letters you receive from the credit bureaus, but it might take longer.

Why get a credit report? Credit reports are an inventory of your accounts and debts. Your credit report can help you find fraudulent accounts opened in your name.

6) Consider placing an extended fraud alert or credit freeze.  Extended fraud alerts and credit freezes can help prevent further misuse of your information. There are important differences. This chart can help you decide which is right for you.

Extended Fraud Alert Credit Freeze
Lets you have access to your credit report as long as companies take steps to verify your identity Stops all access to your credit report unless you lift or remove it
Free to place and remove if someone stole your identity. Guaranteed by federal law. Cost and availability depend on your state law . There might be a small fee for placing, lifting and removing.
Lasts for 7 years Lasts until you lift or remove
Set it by contacting each of the three credit bureaus:

·         Report that someone stole your identity. Request an extended fraud alert.

·         Complete any necessary forms and send a copy of your Identity Theft Report.

Set it by contacting each of the three credit bureaus:

·         Report that someone stole your identity.

·         Ask the company to put a freeze on your credit file.

·         Pay the fee required by state law.

For fraud alerts:

TransUnion  1-800-680-7289

Experian  1-888-397-3742

Equifax   1-888-766-0008


For credit freezes:

TransUnion  1-888-909-8872

Experian  1-888-397-3742

Equifax  1-800-349-9960


7) If you think someone may be using your social security number  https://www.ssa.gov/myaccount/ 1-866-931-7106 

8)  Call your Farmers Agent, Sean Sansone at (918)615-9746.  Your homeowners insurance policy may have some Fraud Coverage.

For information on how to protect your personal information and prevent ID/Credit fraud click here:  https://www.consumer.ftc.gov/-how-keep-your-personal-information-secure


 *This information is from the FTC.gov website-visit their site for more helpful information