When you begin receiving suspicious letters in the mail for accounts you never opened or discover that you’ve been denied a loan despite having a great credit score, it’s important to understand that this can be indicative of identity theft. Unfortunately, many victims are unaware of what to do or who they should report the identity theft to. If this reflects your circumstances, you’ll want to keep reading for additional information that can help you navigate these challenging matters. In addition, you’ll discover how a San Diego County identity theft lawyer can assist you during these difficult times.
Do I Need to Report Identity Theft?
If you discover that someone has been using your identity, it’s imperative to file a report with the appropriate agencies. Not only is it crucial to ensure that you have a record of the fact someone else has opened an account in your name to help restore your credit, but it also helps law enforcement in their investigation.
Unfortunately, there are many instances in which those who commit identity theft are never held accountable. However, doing everything you can to hold the individual responsible is imperative. In addition, having a police report can help when filing with certain agencies can improve the chances of a favorable outcome.
It’s also important to understand that if you take the steps to file a report with the appropriate agencies, they can warn the general public about the scam or scheme you were subject to. This helps ensure that others do not become victims to the thieves.
Who Should I File a Report With?
If you find that you are a victim of identity theft, there are a number of agencies you may need to file a repot with. Generally, the first thing you should do is go to your local police department to file a formal report. Though the police may not be able to do much given the nature of this crime, they can investigate to the best of their abilities. However, having a formal report is critical when interacting with other agencies.
Next, you should file a report with the Federal Trade Commission, submitting the police report as supplemental information. The FTC will provide you with a personalized guide on recovering following the theft.
After obtaining a copy of your FTC report, you should contact the companies involved in the fraud. They can help stop pending transactions, freeze accounts, and secure your login information.
Finally, you should contact the credit reporting bureaus to dispute the inclusion of this information on your report while placing a fraud alert to prevent further damage to your credit score.
As you can see, there are many agencies involved in they process of repairing your credit, and it may quickly become overwhelming. That is why it is imperative to connect wit an experienced attorney with Barthel Legal who can help guide ou through this process and fight on your behalf. When you need help, our firm is here. Contact us today to learn more.
