You know that old wives’ tale about bad things happening in 3’s and 7’s? Well…as though of you who read regularly know, it hasn’t been my year. At all. On top of everything else going on, (uhm…here, here, and here…) I got a call from Wells Fargo last Wednesday notifying me that someone had stolen my SSN, also knew my address and was attempting to take out a credit card/loan.
So in the spirit of using what’s happening in my life more, I’m revitalizing my “Ask L.Bee” segment with a question I’ve always wanted to know the answer to, but never needed until now. (I used to get lots of questions, but if you feel like writing, just reach out and email and you could see your question up on the blog!)
I don’t know how this happened since I haven’t had my wallet stolen or anything, but I do have my suspicions. Thankfully, it seems as if we “caught it early” and got out ahead of it, but here are the steps to take in case you yourself find yourself the victim of identity theft.
1.) Cancel all of your cards
All of the credit cards may be affected, better safe than sorry. While you’re on the phone with the credit card companies, set up a two-step verification, that way in case anyone dials in attempting to be you, they’ll have to give a password in order to access your account.
2.) Change all the passwords to your online accounts
3.) Place an alert on your credit report immediately.
You can report it to Experian via this link and they will also notify Transunion and Equifax. You’ll place an alert and leave your phone number so anytime someone tries to take out a loan or do something requiring a credit check, you’ll get a phone call.
If you do it yourself, they expire in 90 days, so make a calendar reminder in 90 days time to go back and set the fraud alert again.
4.) Check Your Credit Report Too
While you’re there, go ahead and either order a copy of your credit report (you get one for free, from all three bureaus, once each year.) Or you can download online and print, although you won’t be able to access again for free until the next year. Check for any odd or suspicious activity, and check ALL OF THEM. Sometimes things show up on one report that do not on another (which happened in my case.) Once/if you find something move to number 5.
5.) Write a letter (ASAP) to get fraudulent activity off your report
For this one you’ll have to write to each credit bureau separately since each one reports differently/different activity. You’ll need to mail a letter stating the charge is fraudulent, and mail them a copy of your ID and a utility bill or bank/insurance statement. Hopefully, this will do the trick, but it could take a few weeks.
6.) Put yourself on the opt-out list
It is happening less and less, but people do still receive pre-approved credit offers in the mail. Put yourself on the opt-out list by going here, filling out the form and then mailing it. I suspect my identity may have been stolen because someone has been tampering with my mail.
7.) Get a shredder
In case you keep getting these offers, shred em, and shred any old documents with your social. Identity theft is a largely digital crime, but you NEVER know. It could literally happen anywhere.
Bonus points: invest in on-going credit monitoring. I’m normally pretty good about keeping a check on my score (via Credit Karma) every month. It’s not fool-proof, but in case someone does get an account/card open in your name, you’ll be able to spot it. You can also pay per month for Life Lock, or some other company to track your credit for you.
Extra Bonus Points: In the event it’s been a minute and someone has stolen your identity and had some activity (not attempted to access your accounts, but actually charged or opened a loan account or something) you will have to file a police report.
Any other tips I’m missing?