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Article Directory :: Finance & Investment Articles
Here are some basic things you should do if you lose your wallet (or purse). This advice assumes you haven't periodically recorded the contents of your wallet, which is always a good idea.
You can find your credit card account numbers and phone numbers to contact the issuers if you keep your monthly billing statements on file. But if you never wrote down your driver's license number then you'll want to contact your state's department of motor vehicles and follow their procedures for having a "fraud alert" attached to your number -- while they issue you a new driver's license.
If, for some reason, you don't have immediate access to all of your credit card accounts, with the creditors' contact information, then you'll need to contact get in touch with each of the 3 big credit reporting agencies immediately.
Here are their phone numbers: Trans Union - 800-888-4213, Experian - 888-397-3742 and Equifax - 800-685-1111.
Request a free copy of your credit report. Anyone may request a free copy of his or her credit report from credit reporting agencies each year. And ask that a "fraud alert" be attached to your credit profile.
The way the system is set up is that if you contact one agency and report identity theft they're supposed to contact the other 2 automatically. However, you shouldn't leave this up to them. Contact all 3 yourself.
You can obtain a free yearly credit report (from all 3 credit reporting agencies) online at https://www.annualcreditreport.com. If you get your credit report online then make sure you either fully print out each report when it comes up on the screen, or are able to access the report online for a specific period of time without being charged.
The credit reports will contain the account numbers and contact information of all your credit card issuers. It's a good idea that if you close any accounts you have creditors note, "Account closed at customer's request."
Be advised, however, that simply closing every credit account could make it difficult for you to obtain credit in the future. Possibly ask the fraud department of your credit card issuer if you can simply close out one number and get another card with another account number.
The fraud alert you activate with the credit reporting companies will generally stay active for 90 days. Its purpose is to flag creditors about potential identity theft fraud with regards to your credit profile and help make them aware an imposter may be applying for credit using your stolen personal information.
Although a verbal request for a fraud alert activates one for 90 days, many identity professionals recommend you also write each credit reporting agency and request that the fraud alert be extended up to 7 years. (This is usually done after viewing your credit reports).
Joe Farinaccio is the author of "ID Theft 911: Step-By-Step Instructions for Stopping Identity Fraud, Cleaning Up Your Credit Profile, and Getting Other Records Fixed" ... available at http://www.IdTheftHelp911.com
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