What Should I Do If My Identity Gets Stolen?
The empty pocket syndrome. In a flash, or after a big sleep in transportation, you realize you do not have your papers. Thus began a long administrative procedure to recover. But meanwhile, what happens to your passport and ID card stolen? People these days are well aware of the risks of becoming a victim of identity theft and a majority of people are watching their identity papers with more attention than the rest of their property. One thing is certain, if you’ve stolen your papers, “it is essential to retain the deposit of complaint throughout his life. The discovery of a theft can take between two and twenty years after the commencement of execution of the offense”.
What are the Stolen Identity Papers?
Equipped with some originals or copies, the fraudster can obtain an identity card or passport. This is called a case of “undue issue.” The fraudster may also withdraw cash at the counter of a bank and most importantly, open bank accounts or phone lines. Be aware that the declaration of loss or theft is blocking any commercial or administrative formality. If not informed, the Bank can not prevent any account openings.
What should I do if I am a Victim?
If you are a victim of identity theft or fraud, you should immediately take some basic steps to avoid being victimized further in order to restore your credit and restore your reputation. Firstly, you must plan to get some sort of identity theft protection and for the same, you can check for LifeLock coupons online.
As a victim, you might find that the system is confusing and you lose a lot of time to accomplish what needs to be done. This guide will help you take your steps and to point them in the right direction.
Take Time to Think
Stay calm. Make a list of all the information about your identity that has been lost or stolen. Search in your filing documents with the numbers of your credit card information on your bank account or information about your identity document of the government. Use the table to record and track the efforts made and the information provided.
Write Down All Communications
When you contact a police agency, financial institution or other bodies, take note of all measures taken as a reference for the future.
Examine your credit reports.
Beware of creditors who have opened new accounts without that you did or asked the creditors who have requested information about your credit report so that you had not asked for credit. Contact each creditor mentioned. Inform the details of your case of identity theft and ask him:
Close the accounts you did not open;
Refuse to open new accounts if you did not request.
Contact your local police department
Report the theft of your identity information to your local police department. Be sure to ask for a report number and take the notes for reference in the future. Banks and creditors may need evidence to confirm that a crime was committed in order to clear the debts created by the identity thief. Please note that the police is not responsible for recovering the money you lost. Their role is to investigate criminal offenses and bring charges when necessary. You must inform the police of suspects identified information in your credit bureau report.