What to Do if You Fall for a Scam
1. Contact your bank, financial institutions, and creditors
- Speak with the fraud department and explain that someone has stolen your identity.
- Request to close or freeze any accounts that may have been tampered with or fraudulently established.
- Make sure to change your online login credentials, passwords and PINs.
2. Secure your email and other communication accounts
- Many people reuse passwords and your email or cell phone account may be compromised as well.
- Immediately change your accounts’ passwords and implement multi-factor authentication— a setting that prevents cybercriminals from accessing your accounts, even if they know your password — if you haven’t already done so.
3. Check your credit reports and place a fraud alert on them
- Get a free copy of your credit report from annualcreditreport.com or call 877-322-8228.
- Review your credit report to make sure unauthorized accounts have not been opened in your name.
- Report any fraudulent accounts to the appropriate financial institutions.
- Place a fraud alert on your credit by contacting one of the three credit bureaus. That company must tell the other two.
– Experian: 888-397-3742 or experian.com
– TransUnion: 800-680-7289 or transunion.com
– Equifax: 888-766-0008 or equifax.com
4. Contact ChexSystems at 888-478-6536 to place a security alert on the compromised checking and savings accounts when a deposit account has been impacted.
5. Contact the Federal Trade Commission to report an ID theft incident: visit ftc.gov/idtheft or call 877-438-4338.
6. File a report with your local law enforcement
- Get a copy of the report to submit to your creditors and others that may require proof of the crime.