Identity theft happens when someone steals your personal information and uses it without your permission. It is a serious crime that can wreak havoc on your finances and credit history. If you have unfamiliar accounts or charges on your credit report, you may be a victim of identity theft. If your identity is stolen, you need to immediately: (1) place an initial fraud alert with all three credit reporting bureaus, Transunion, Equifax and Experian. (2) Order your credit report and review for unfamiliar or unauthorized accounts (3) Create an identity theft report by submitting a complaint to the Federal Trade Commission, filing a police report and preparing an identity theft affidavit.
Doan Law can help you every step of the way if you should find you have been a victim of identity theft or have suspicious accounts showing up on your credit report. It is important that once you have your fresh start after bankruptcy that you get in the habit of protecting your personal information. You need to ask questions before sharing any of your financial information. You need to lock up your information and shred old statements and account information. You need to password protect all of your financial information which is stored electronically and routinely review your credit report.
For more information on this, please contact us.