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Identity Theft Steps You Will Want To Take NOW

Updated on January 29, 2015

Going shopping? Cash? Or Credit?

Did you know you can get a personal credit card that has a limited amount to cover just your day's shopping?
Did you know you can get a personal credit card that has a limited amount to cover just your day's shopping? | Source

Making yourself less visible and less exposed:

First Step: Put your phone on the National Do Not Call Registry by calling 1-888-382-1222. Allow 31 days for unwanted solicitations to stop. Notify the same number . if you change or add phones. And file complaints, if solicitors ignore the registry and call you after you are registered.

Second Step: Reduce your unwanted junk mail by going to https://www.dmachoice.org and following the simple instructions.

Third Step: Add a Consumer Credit Freeze to your credit file by contacting Experian, TransUnion, and Equifax, and also review any new credit accounts or requests for credit that you did not initiate.

Fourth Step: Get your free (once a year) credit report for this year by going to www.annualcreditreport.com and check it for inaccurate items and have them corrected.

Fifth Step: Check your recent credit card statements for any suspicious charges and verify them with your credit card company. Contest any invalid charges.

Sixth Step: Check with the Social Security Administration at www.socialsecurity.gov to insure that no one is fraudulently using your social security number.

Seventh Step: Check with your state's attorney general's office for free information on how to further protect your credit and better prevent identity theft happening to anyone in your family, including your children, no matter how young they are.

Eighth Step: Do routine checks of recent purchases on your credit cards by calling the cards' toll free numbers and checking your accounts. Be sure to notify the issuing companies as soon as you realize a card is lost or missing.

Ninth Step: Realize that any debit card is at heightened risk compared to credit cards. Contact your bank and set up a separate account for any debit card to limit your financial exposure to a certain amount of liability.

Tenth Step: Take steps within your household to make preventing identity theft a real priority. Make sure that documents with personal information such as Social Security numbers, account numbers, and other identifying information is properly secured, shredded before throwing away, and never shared inappropriately with anyone.

What if you become a victim of identity theft?

If you suspect you are a victim of identity theft, contact local law enforcement and intiate a report, know who else to contact immediately and how to proceed by starting a file, contacting all the financial institutions you deal with and closing any affected accounts. Contact one or all of the credit report agencies and initiate a fraud alert and a possible credit freeze for your protection going forward, while you go about reestablishing your credit.



A secure home is a happy home. Protect against theft.

Source

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© 2015 Demas W. Jasper All rights reserved..

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    • DeborahDian profile image

      Deborah Carr 2 years ago from Orange County, California

      These are great steps that everyone should take ... right away!

    • Perspycacious profile image
      Author

      Demas W Jasper 2 years ago from Today's America and The World Beyond

      DeborahDian - That makes two of us, at least, who think so. Thanks.

    • Ericdierker profile image

      Eric Dierker 2 years ago from Spring Valley, CA. U.S.A.

      Wonderful advice, and you laid it out real simple and easy for a fellow like me.

    • Perspycacious profile image
      Author

      Demas W Jasper 2 years ago from Today's America and The World Beyond

      Ericdierker - That was probably because I'm a fellow like you!

    • FlourishAnyway profile image

      FlourishAnyway 2 years ago from USA

      What a good, concise listing.

    • BlossomSB profile image

      Bronwen Scott-Branagan 2 years ago from Victoria, Australia

      A very useful hub - except I think that the number to call would be different in my country.

    • AliciaC profile image

      Linda Crampton 2 years ago from British Columbia, Canada

      This hub contains very useful and important information. Everyone should not only think about what you've written but also take appropriate action.

      I love your rainbow photo, Perspycacious!

    • MsDora profile image

      Dora Isaac Weithers 2 years ago from The Caribbean

      Thanks for these urgent steps toward personal security. Good job!

    • Perspycacious profile image
      Author

      Demas W Jasper 2 years ago from Today's America and The World Beyond

      FlourishAnyway - Now I am checking to make sure I have done all that, too! ; - )

    • Perspycacious profile image
      Author

      Demas W Jasper 2 years ago from Today's America and The World Beyond

      BlossomSB - True, but I hope Australia has done something similar that can add to your protection against such thievery. Thanks for the visit.

    • Perspycacious profile image
      Author

      Demas W Jasper 2 years ago from Today's America and The World Beyond

      AliciaC - How does this information help you folks in Canada. This was written applicable to the USA. Has Canada taken similar steps?

    • Perspycacious profile image
      Author

      Demas W Jasper 2 years ago from Today's America and The World Beyond

      MsDora - These thieves practice their thievery worldwide. I hope this gives some suggestions you can use where you are. Thanks for being such a faithful follower.

    • aviannovice profile image

      Deb Hirt 2 years ago from Stillwater, OK

      All good information for the uninitiated. Years ago, my credit was ruined by a bad business partner, so now I don't have to worry about much. Thanks for providing the info on getting rid of unwanted junk mail. I can really use that.

    • Perspycacious profile image
      Author

      Demas W Jasper 2 years ago from Today's America and The World Beyond

      aviannovice - It is said that it is wise to carry your credit cards in a protective metal case. I wonder if aluminum foil would also protect them. Otherwise you can have your card's information downloaded by someone near you, behind you in a check-out line, etc. It seems as if choosing a business partner should be taken as seriously as choosing a life partner, both can have lifetime consequences.

    • Perspycacious profile image
      Author

      Demas W Jasper 20 months ago from Today's America and The World Beyond

      Hopefully someone here will comment on the new credit cards and how they may serve to limit liabilities.

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