Immediate Steps To Take If Your Identity Is Stolen

Identity Theft
If someone uses your personal information without permission to open an account or access your financial records, they are stealing your identity,

December 13th – Hispanic Solutions Group

Identity theft is a serious crime, it is when someone uses your personal information without permission to open an account or access your financial records,

The media report that the identity thief can use your information to apply for credit, file taxes or obtain medical services. These acts can damage your credit standing and cost you time and money to restore your good name and prestige.

Steps to follow to help you in case of identity theft:

  1. File a claim with your identity theft insurance.

What is identity theft insurance? It is designed to cover some of the costs related to identity theft. Identity theft insurance reimburses victims for money spent on recovering their financial identities and repairing their credit reports, as well as money taken from personal accounts. Policies often provide specialists who can help guide victims through the identity restoration process, as well as being an active monitor for you in the future. They help protect your personal information, the data you share.

  1. File a police report

An official report from the police stating that your wallet was lost or stolen will be helpful when dealing with your bank and will also prove your documents are missing in case of identity theft or fraud. If you are the victim of more fraud or identity theft in the future, a police report will help serve as evidence that you were, in fact, the victim of a crime. Some credit card issuers or banks will also ask for your police report number as part of their fraud investigation.

  1. Notify companies of your stolen identity

Call or email the fraud department of the companies, banks, or credit unions where the accounts have been compromised. Explain that someone stole your identity and ask them to close or freeze the compromised account.

  1. Request a fraud alert on your credit report

Contact any of the three credit reporting agencies, request that a free fraud alert be placed on your credit report. You only need to contact one of the three agencies because the law requires the agency you call to contact the other two. Once you have a fraud alert in place on your credit report, a business must verify your identity before issuing new credit in your name. The alert remains active for one year and you can renew it for up to seven years.

  1. File a report with the Federal Trade Commission

The FTC (for its acronym in English) collects information on cases of identity theft. You do not have the ability to pursue criminal charges, but your information can be used by law enforcement agencies such as the FBI to track down perpetrators. To file a report with the FTC, visit www.identitytheft.gov. As part of the reporting process, you will receive a recovery plan and even pre-filled letters and forms that can be used to file police reports and dispute fraudulent charges. Change the passwords, PINs, and login information for all of your potentially affected accounts, including your email accounts and any accounts that use the same password, PIN, or login information.

If you have any questions related to finances, credits and other related topics, but do not know who to turn to, contact us by going to Hispanic Solutions Group, writing to info@hispanicsolutionsgroup.com, communicating with us here accessing financial information on YouTube, The credit channel, Our specialists in charge of Mrs. Jessica Aliaga will be informing you of any concerns about this and other financial issues of general interest and guidance as in this topic, today we will give you the following report so that you can make your most important economic decisions , also him We invite you to follow our social networks: Linkendin, Facebook, Twitter and Instagram.