Identity theft is when someone uses your personal or financial information to purchase, get benefits, file taxes, or commit fraud. Here are a few of the signs of identity theft.
- Have you been missing monthly statements in your mailbox or via email?
- Have you received a bill for something you did not purchase?
- Do you have unknown items reported on your credit report?
- Do you have unexplained charges on your OFCU account?
- Do you have unknown charges on your credit card?
There are a few steps to recover from identity theft:
- Call your local OFCU branch and law enforcement.
- Call or go online to the Fraud Department at the Federal Trade Commission and explain that someone stole her personal information.
- Get your free credit report from www.annualcreditreport.com. Look at all the reports from all three credit bureaus: Experian, Equifax, and TransUnion.
- Review your reports. Make notes on any unrecognizable transactions.
- Call Annual Credit Report - 877-322-8228 to connect to all three bureaus. Once you connect with each bureau, freeze your account so no one can add a charge to your credit report.
- Experian - 888-397-3742
- TransUnion - 888-909-8872
- Equafax - 800-685-1111
How To Avoid Identity Theft