How To Secure Your Credit After An Identity Theft?
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How to Secure Your Credit After An Identity Theft?

Technology surely dominates the kind of life we live which is why we see many frauds and scams happening on the internet. There are many hackers and scammers that make use of loopholes and situations that help them to extract information which they can then use to do the damage. In many cases, the victim does not even know that their identity has been compromised and all their personal information has been leaked out and been used against them. This can be a nightmare for identity theft victims as they get stuck with their bad credit history which means that banks will not provide them with loans or new credit cards and will only make their situation worse in the future.

However, you can make use of these steps to secure your credit after an identity theft that has played with your good name and reputation.

Inform the Police

Most identity theft victims never involve police into this because they fear police will not help them in the right way. However, the fact is that police do handle such cases and can help you to investigate and find out who did this to you so that you can prove to the bank that it was not you for sure. In many cities, police force have their own identity theft task force and they have experts that work on hacking technologies to ensure that they get right information to resolve your case. So, the first thing you need to do is approach the police and answer the queries that they have you can provide them with all the information you have that can assist them in resolving your case.

Inform the Bank

The next thing you need to do to repair your credit is that you rush to your bank branch and inform them that your identity has been stolen. Most banks in this case will ask you to provide police report number while they are filing up the information so if you have been to the police you can provide them with the information. The bank authorities will make sure that all your credit cards and checks are cancelled immediately as damage control and will work their ways to resolve your case.

Get Your Credit Report

You can get the credit report from all the three credit reporting bureaus so that you can double check the information. You can provide the police report number to the bureaus and they will understand that you also have police working with you on this case. You can go through the report and see the actual damage that has been done.

You need to inform the police and the credit reporting bureaus on the dispute so that they can remove those items from your credit history.You will need to follow up on this in case you are not getting quick response or escalate it to higher authorities so that you can restore your credit as quickly as possible.

If you little bit aware your can easily prevent identity theft.

Be safe always....


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