What To Do If You Are a Victim of Identity Theft (or suspect you could be)

What Steps Should You Take If You Are (Or Believe You Could be a Victim of Identity Theft)

We recommend you consider doing the following

• Enroll in credit monitoring (if not currently enrolled in one).
  • Credit monitoring is good to have as it monitors your credit and will alert you to changes in your credit file and/or suspicious activity on your credit file. We recommend credit monitoring that offers tri-bureau monitoring (credit monitoring for each of the 3 major credit reporting agencies: Experian, Equifax and TransUnion). Certain BlackCloak plans include credit monitoring. If you're unsure if this feature is part of your plan or if you've taken advantage of it, reach out to the Concierge Team.
• Place a Fraud Alert with one of the 3 major credit reporting agencies
  • For a fraud alert, you only need to place an alert with any one of the 3 credit reporting agencies and they are obligated to notify the other 2. This alert will last one year.
• Consider placing a credit freeze with each credit reporting agency
  • For a credit freeze, you must file a freeze with each credit reporting agency directly. The freeze remains on your credit file, until you lift it.
• Consider filing an Identity Theft Report with the FTC.
  • Follow our guide or review our webinar on how to file a report with the FTC. A report with the FTC can be used to place a 7 year fraud alert with the credit reporting agencies.
• Concerned about your SSN being compromised?
  • If you know or suspect that your Social Security Number (SSN) has been compromised, there are steps you should take to report the fraud and help protect yourself. Check out our guide here.
• Review your credit reports
  • If your credit monitor comes with access to your credit reports, pull those credit reports and review them for any suspicious or fraudulent items. Alternatively, you can visit AnnualCreditReport.com and request a copy of your credit report for free once per year.