(KFVS) - Identity theft happens when someone uses your Social Security number or other personal information to open new accounts, make purchases, or get a tax refund. Most people who experience identity theft must take several steps to recover.
is the federal government's one-stop resource to help you report and recover from identity theft. If you believe someone is using your personal information, visit this site.
There are many ways you might discover someone is using your information. You might get a notice from the IRS or find unfamiliar accounts on your credit report. You might notice strange withdrawals from your bank account, get bills that aren't yours, or get calls about debts you don't owe. If yyou see one of these warning signs of identity theft, act quickly. Taking the following steps will help ou limit the damage: Call the companies where you know fraud occurred. Place a fraud alert on your credit reports and get copies of your report. Report he identity theft to the FTC (steps can be found on
.) File a report with your local police department.
Has your info been lost or stolen? There are steps you should take to help protect yourself from identity theft, depending on what type of information was compromised. If your Social Security Number is compromised: If a company responsible for exposing your information offers free credit monitoring, take advantage of it. Get your free credit reports from
. Check for any accounts or charges you don't recognize. Consider placing a "credit freeze". A credit freeze makes it harder for someone to open a new account in your name. If you place a freeze, be ready to take a few extra steps the next time you apply for a new credit card or cell - or any service that requires a credit check. Try to file your taxes early - before a scammer can. Tax identity theft happens when someone uses our Social Security number to get a tax refund or job. Respond right away to letters from the IRS. Don't believe anyone who calls and says you'll be arrested unless you pay for taxes or debt - even if they have part or all your Social Security number, or they say they're from the IRS> Continue to check your credit reports. You can order a free report from each of the three credit reporting companies once a year.
If your login or password has been compromised: Log in to the account and change your password. If possible, change your username. If you can't log in, contact the company. Ask them how you can recover or shut down the account. If you use the same password anywhere else, change that also. Is it a financial site, or is your credit card number stored? Check your account for any charges you don't recognize.
Has your debit or credit card number been stolen? Contact your bank or credit card company to cancel your card and request a new one. Review your transactions regularly. Make sure no one misused your card. If you find fraudulent charges, call the fraud department and get them removed. If you have automatic payments set up, update them with your new card number. Check your credit report at
Has your bank account information been compromised? Contact your bank to close the account and open a new one. Review your transactions regularly to make sure no one misused your account. If you find fraudulent charges, call the fraud department and get them removed. If you have automatic payments set up, update them with your new bank account information. Check your credit report at
Has your driver's licence information been compromised? Contact your nearest Secretary of State office to report a lost or stole driver's licence. thee state might flag your license number in case someone tries to use it, or they may suggest you apply for a duplicate. Check your credit report atwww.annualcreditreport.com.
Identity theft can happen to anyone, there are some things you can do to reduce your risk. Here are five ways to make protecting your identity part of your everyday routine: Read your credit card and bank statements carefully and often. Know your payment due dates. If a bill doesn't show up when you expect it, look into it. Read the statements from your health insurance plan. Make sure the claims paid match the care you got. Shred any documents with personal and financial information. Review each of your three credit reports at least once a year. Visit annualcreditreport.com to get your free reports. If you space them out by ordering one ever three months, you will have year-round coverage for free.