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Signs of Identity Theft & Next Steps

We recommend customers put a fraud alert on their credit report. An initial fraud alert is good for 90 days.

We also strongly recommend customers review their credit report. You can get a free report at: www.annualcreditreport.com or call 877-322-8228. 

Signs of Identity Theft – Early detection can help limit the damage done by identity theft.

Here are indicators that you may be a victim: 

  • You notice errors or unfamiliar transactions on your bank and/or credit card accounts. 
  • Your credit report includes unfamiliar accounts or charges. 
  • Your credit report contains inquiries made by businesses in response to an application for credit, loans, or other services you didn’t initiate. 
  • You receive collection notices or calls about a debt that isn’t yours. 
  • You have a good credit rating but are denied credit in response to an application. 
  • Your checks are refused by merchants. 
  • Bills, statements, or other expected mail or email doesn’t arrive. 
  • You get bills for accounts you didn’t open or medical services you didn’t receive. 
  • Your health insurance responds to your legitimate medical claim with a notice that your benefits limit was reached. 
  • Your medical records report a condition you don’t have. 
  • You are notified by the IRS that you have income from an employer unknown to you or that more than one tax return was filed with your Social Security number. 
  • You are notified of a data breach at a company that involves your information. 

Steps if a data breach has occurred: 

  1. Monitor all bank and other accounts for suspicious activity. 
  2. Change all passwords, PINs, or user names associated with compromised accounts. 
  3. Order a copy of your credit report. 
  4. Place a fraud alert and/or a credit freeze on your credit file. 

Steps to Do Immediately if you have become a victim of identity theft: 

  1. Call any business where you know fraud took place. Ask to speak to the fraud department. Say your identity was stolen, and ask for your account(s) to be closed or frozen so an identity thief can’t add new charges. 
  2. Place an initial fraud alert on your files/credit report. Contact all three major U.S. credit reporting companies to report yourself as a victim of identity theft. Ask the credit bureau you contacted for confirmation of the initial fraud alert. 
  3. Order a credit report. By law, you are entitled to a free copy of your credit report once a year from all three companies. You must contact each individually to order a report. (You may want to order one now and the other two at later times to track new activity or corrections.) Immediately review your credit report and note any unfamiliar transactions or accounts. Give this information to authorities such as the police. 
  4. File a complaint about the theft with the Federal Trade Commission at: http://www.ftccomplaintassistant.gov or call 877-438-4338. 
  5. File a police report. Go to your local police station. Say you are a victim of identity they and wish to file a report. Bring along: 1) copy of your FTC Identity theft Affidavit; 2) any other proof of identity theft; 3) proof of your address; 4) a government issued photo I.D.