Finding out your identity has been stolen is terrifying. Someone might be opening accounts in your name. The damage is reversible, but time is of the essence. Lock down your digital life now.

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First steps after identity theft

First steps after identity theft

TL;DR: Freeze credit immediately, review reports, and file an FTC affidavit.

Finding out your identity has been stolen is terrifying. Someone might be opening accounts in your name. The damage is reversible, but time is of the essence. Lock down your digital life now.

Step-by-Step Guide

  1. Freeze Credit Files: This is the nuclear option, and you should use it. Go to Equifax, Experian, and TransUnion websites. Freeze your credit. This stops anyone (including you) from opening new accounts.
  2. Review Credit Reports: Download your reports. Circle any account you don't recognize. Look at the 'Inquiries' section to see who has been checking your credit recently.
  3. File an FTC Report (USA): Visit IdentityTheft.gov. This creates an Identity Theft Affidavit. You will need this document to prove to banks that you are a victim.
  4. Change Passwords: Assume your email is compromised. Change your banking and email passwords immediately. Enable 2-Factor Authentication (2FA) everywhere.

FAQ

Does freezing hurt my credit score?

No. It has zero impact on your score. It just stops access.

How long does it take to fix?

It can take months to clear everything, but the liability usually stops once reported.

Should I pay the fraudulent debt?

NO. Never pay a debt that isn't yours. It validates the account.

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