What To Do After Identity Theft
Theft is certainly not new. There is, however, a kind of theft that has developed in recent years and has been made increasingly easy for thieves to pull off by today’s advancing technology. Identity theft takes one of your most priceless possessions—your identity—from you, making it an especially unfortunate type of theft. It is also unfortunately common; in 2012, around 12.6 million Americans founds themselves the victims of identity theft. Here is a quick look at what to do in the face of this larceny.
- Place A Fraud Alert: Contact one of the national credit bureaus (Equifax, Experian, or TransUnion) and request an initial fraud alert. That way, a business will have to verify your identity before it issues out any of your credit. This free alert adds an extra challenge for thieves trying to use your identity.
- Look Over Your Credit Report: You will be able to get a free credit report from one of the above bureaus. Once you do, review it carefully and dispute any inaccurate information (more below). Check for accuracy of your debts, accounts, employers, social security number, address, and even name.
- Dispute Incorrect Entries: If you notice that there is inaccurate information on your report, send a dispute letter to the credit bureau. The bureau will then contact the business in question, who will have 30 days to investigate. If they find an error, they will report back to the bureau, who will share the information with the other bureaus so that error will be removed from your report.
Identity theft may be a relatively new form of theft, but your insurance provider has already developed a way to protect you against it. So that a stolen identity never capsizes your financial life, contact The DiForte Agency in Staten Island. We offer the New York identity theft insurance you need to be fully safeguarded against the risks of the modern age. Call us today!