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ID Theft Consumer Guide


 
 
 

 

What to Do When You’re a Victim of Identity Theft:Contact Your Credit Card Company and Your Bank

As a consequence of the prevalence of identity theft or ID theft, it is important that you understand fully what you need to do when you are the victim of identity theft or ID theft. In this regard, one of the most immediate steps that you will want to take should you fall victim to identity theft is contacting your credit card provider and any bank at which you do business.

The Importance of Making Contact

It absolutely is vital for you to contact your credit card company immediately after you learn that you have been the victim of identity theft. In this regard, it is necessary for you to advise your credit card of the situation to make certain that you will not be held responsible for charges that might be made on your card or to your account by the identity thief.

In addition, you will want to make contact with a credit card company immediately to have the compromised account closed. The credit card company can transfer your balance to a new account and you can move onward from there.




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What Can be Done

Your credit card company will be able to deal with the aftereffects of being the victim of identity theft on a number of levels. First of all, by promptly reporting the problem, you will be able to have your credit card company remove charges that were made to the account by the identity thief.

In addition, your credit card company can close down the compromised account and open a new, secure account for you immediately.

Finally, your credit card company will put an alert on your account -- on your new account -- a fraud alert that will provide you with an added piece of protection against the recurrence of identify theft in the future. For example, in placing the fraud alert, you credit card company can additional provide for notification to you if there are charges made to your account over a preset dollar amount. Additionally, the credit card company can notify you if there are any charges made to your newly established account that seem out of the ordinary or deviate from your established use pattern.


 

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