Tips for Fraud Victims
If you believe you are a victim of fraud, you may find the following
Protect Yourself - First, make sure a security
alert or victim statement is on file with all national credit
Inform the Creditor - Contact each
creditor with the fraud account and inform them that the account is
Document all Contacts - Make notes of
everyone you spoke with; ask for names, department names, phone
extensions; record the date you spoke to them.
Understand the Process - Each creditor
may have a different process for handling a fraud claim. Make sure
you understand exactly what is expected from you, and then ask what
you can expect from the creditor. At the conclusion of an
investigation, ask the creditor for a document that states you are
not responsible for the debt.
Follow Up - Make sure everything a
creditor/credit bureau has requested is received. It is always a
good idea to place a follow up call or send a letter for
Review Reports Regularly - Obtain another
report several months AFTER you believe everything is cleared up. If
a new fraudulent account is discovered, you know how to handle it.
If your credit report is back to normal, you can feel confident that
all issues were resolved as you expected. It would be a good idea to
check your credit report again in six months and a year later.
Don't Throw Away Files - Keep all notes
and correspondence in an accessible file in case they are needed in