The idea that someone could masquerade as you and have a good time on your credit is one that comes as a shock to many victims. Often, the culprit is a family member, which adds insult to injury. But what is one of the first steps that you should take if you suspect that your identity has been stolen?
According to Thomas Minarcik of Elderkin Law Firm in Erie, PA, one of the first steps that you should take when you suspect or know that your identity has been stolen is to get your credit reports. Note, I said reports. Not all utilities, credit card companies or loan companies report to every single credit bureau. Obtaining just one report could mean that you miss something vital that you should be aware of when it comes to your credit. In addition, your credit reports may make it easier to pinpoint who has stolen your identity.
In fact, Attorney Minarcik suggests that you keep on top of your credit by obtaining free copies, as specified by the FTC. He recommends obtaining yearly reports at tax time and then filing copies with your tax returns so that you can review changes from year to year more easily.
Parents should also keep track of their children's credit too. If any unusual items arrive in the mail - even credit card solicitation - do follow up. My best friend in high school had no idea that someone had used her Social Security number illegally until she applied for college loans.
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