How To Restore Your Identity After Being A Victim Of Identity Theft
While I can’t guarantee that you won’t become a victim, you can take steps to secure your information. I often compare identity theft to someone trying to steal your car. Besides locking your doors, most people opt to buy a car alarm. The alarm is a deterrent that reduces the chance that your car will be stolen.
Secure your vital personal information in the same fashion.
Step 1: Obtain an Identity theft protection service. Identity theft protection series are companies that are highly proficient at securing your personal information, and monitoring it to prevent loss. They also provide additional recovery and resolutions services as needed
Step 2: Freeze your military allotment. If your reports are frozen your credit reports can’t be accessed, thus preventing someone from establishing new accounts under your Identity. Placing a credit freeze does not affect your credit score, and it doesn’t prevent you from accessing your credit reports. Remember that there are 3 credit bureaus and you have to contact them individually to freeze your reports.
Equifax
Experian
Transunion
Step 3: Stop preapproved offers of credit and telemarketers. Stop getting pre-approved credit and insurance offers. Often these offers are sent to the most current address listed on your credit reports. If you’ve recently moved, it’s just a matter of someone catching the mail, and submitting the offer. Secure your information by .
Credit Bureaus, call 1-800-567-8688, or visit http://www.optoutprescreen.com/. You can elect to opt-out for 5 years or permanently. I would strongly encourage you to make this permanent. It could take up to 60 days before you stop receiving prescreened offers.
National do not call registry, is a free way to reduce the number of unsolicited calls you receive at home. Call 1-888-382-1222 or visit http://www.donotcall.gov/ from the phone number you want to register. It could take up to 30 days before you see a difference in the volume of calls that you receive.
Direct Marketing Association, is the leading global trade association of businesses and nonprofit organizations using and supporting multichannel direct marketing tools and techniques. You can elect to change amount of mail and commercial emails you receive by visiting http://www.dmachoice.org/.
As an additional note, if you continue to receive phone calls from telemarketers, instruct them to “Please, put me on the do not call list”.
Step 4: Protect your Social Security Number. I’ll make this as simple as possible, do not carry, or give out your Social to anyone unless you are applying for credit, insurance, or employment.
Step 5: Buy a Shredder, and ensure that you shred anything that contains your personal information at home. To include but not limited to, your full name, social security number, date of birth, account numbers, etc.
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