Summary
This guide outlines the critical steps necessary for recovering from identity theft. It begins by emphasizing the importance of promptly obtaining, reviewing, and monitoring credit reports. Individuals are advised to request a free copy of their credit report and verify the accuracy of their personal information. The guide details the process of completing an Identity Theft Report, which can assist in disputing unauthorized accounts. It also instructs readers to contact the three major credit bureaus to place a fraud alert on their credit files, explaining the different types of alerts available, including Initial, Extended, and Active Duty alerts. Furthermore, it discusses the option of placing a security freeze to prevent unauthorized credit approvals. The guide emphasizes notifying the Internal Revenue Service if there is suspicion of fraudulent use of a Social Security number. Lastly, it provides recommendations for protecting accounts, such as enabling multifactor authentication and being vigilant against phishing attempts and malicious software.
