Resolution Resources

Identity theft resolution can be complex and time-consuming. Explore our extensive list of contacts for identity theft resolution. Don’t want to do it alone? Call us at 1-844-987-0705 for help restoring your identity.

Explore Resources

Steps To Resolution

Step 1: Contact the credit bureaus to place a “one year fraud alert”

Creditors will then be told to call you before issuing new credit in your name. Once you call one of the credit bureaus, they should notify the other two, but you should notify all three to be safe.

The call will be automated and you will need to provide your Social Security number, date of birth, address and phone number. Then you will be offered credit monitoring for a fee. You do not have to buy any products to place a fraud alert.

After you place a fraud alert, the credit bureaus will send you a letter to confirm the fraud alert and notify you of your right to receive a free credit report. Request your free report using the number in the letter. This report is in addition to your free annual credit report from each of the three credit bureaus, which you may access at www.annualcreditreport.com.

Under federal law you may ask to extend the fraud alert to seven years. You will have to provide an identity theft report.

Need help placing a fraud alert? Call us at 1-844-987-0705 for assistance.

Step 2: Dispute fraudulent activity with the bureaus

Write a letter to each bureau to dispute fraudulent and erroneous information. The credit bureaus will notify each creditor with the disputed items and should respond within 30 days.

Step 3: Notify creditors and any government agencies where your information was used fraudulently

You may give notice either by phone or in writing. Be sure to keep electronic and hard copies of the letters you send. You may be asked to provide an Affidavit of Forgery, a police report, or other legal documents indicating that you are a victim.

Step 4: Report fraudulent activity to local, state or federal law enforcement agencies and request an “Identity Theft Report”

If you are not sure which agency to contact, start with your local police department. If a report is filed, obtain a copy for your records. Check out the links below for a list of agencies you can contact, reasons why you may want to contact them, and their contact information.

Need help knowing where to start or which agencies you should contact? Call us at 1-844-987-0705 for assistance.

Step 5: Contact the Federal Trade Commission (FTC)

Complete the FTC Identity Theft Affidavit and keep an electronic copy. The Affidavit serves as proof of your stolen identity. You should also update it as new events occur. Their customer service number is 1-877-382-4357.