What should I do after learning that my identity has been lost or stolen?
- Make a fraud alert immediately after you discover the fraud. Contact the credit card company or other creditor that you believe may have fraudulent charges associated with your information, report the theft, and close the account(s) immediately.
- Obtain copies of your credit reports from either TransUnion, Experian, and Equifax. For details, visit www.annualcreditreport.com.
- Review the credit reports carefully to determine what items are actually related to your credit and what items are potential fraudulent accounts.
- Contact the creditor immediately for every account that you believe is fraudulent. The accounts will get closed.
- File a police report and notify the Federal Trade Commission.
When do you need an a lawyer?
The initial steps of notifying creditors, reviewing credit reports, and writing dispute letters to the credit reporting agencies do not necessarily require the assistance of a lawyer. However, getting the items removed from your credit report and dealing with harassing calls from debt collectors can be difficult and a lawyer’s expertise in dealing with creditors and reporting agencies can be very helpful.
Can a Credit Repair Organization help you with this?
No. Credit Repair companies have been found to be unhelpful, fraudulent, and very expensive. In the event that your problem becomes too complex, the credit repair organization does not have the resources or ability to file a lawsuit to solve your problems.
Am I responsible for fraudulent charges on my credit card or for accounts opened by the identity thief?
No if you quickly and efficiently compete all the required steps recommended by the FTC. The key is to act fast and nimble. The more time you waste, the more money you lose. If you need some assistance to complete these tasks or just want someone who can take care of this problem very fast contact the Meyrat Law Firm.
I just divorced, but my Ex is still making purchases on my credit card. Is this Identity Theft?
YES. Stop the bleeding. Make a Fraud Alert and call the Meyrat Law Firm immediately to seek a contempt action against your Ex..
Should I just pay small charges incurred by my Ex and move on with my life?
No. You should not pay debts that are not yours. It will damage your credit history and you may not be able to claim you were a victim of identity theft.