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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.