Tips For Victims of Identity Theft

SOME THINGS TO DO IMMEDIATELY
Victims of identity theft must act quickly to minimize the damage. It is very important to keep good notes of all conversations and records of all correspondence with your financial institutions and law enforcement agencies, including a log of the names, dates and phone number of persons you contacted. You also should confirm the information in writing. Sending your letters by certified mail, return receipt requested, will provide you with a record of your correspondence.

CONTEST BILLS THAT RESULT FROM IDENTITY THEFT.
Consumer and privacy advocates suggest not paying any portion of a bill which is a result of identity theft and not filing for bankruptcy. This will involve disputing credit card charges with the card company by writing to the address for "billing error" disputes - not the bill payment address. You should follow the directions given by the credit card company for disputing charges. This information must be provided by the company. Your credit rating should not be permanently affected, and no legal action should be taken against you as a result of identity theft. If any merchant, financial institution or collection agency suggests otherwise, simply restate your willingness to cooperate, but don't allow yourself to be coerced into paying fraudulent bills. Report such attempts to government regulators immediately. If necessary consult a lawyer to determine legal action to take against creditors and/or credit bureaus if they are not cooperative in removing fraudulent entries from your credit report or if negligence is a factor.