Money Matters

Your Credit Union Newsletter

After Identity Theft Checklist


Identity theft is the crime of obtaining another person’s personal or financial information with the intention of assuming that person’s identity to make purchases or borrow money. If you become a victim of identity theft, you may feel upset and overwhelmed knowing someone has access to your private information. However, remember that recovering from identity theft is possible. By breaking the process down into steps and using the right resources, you’ll protect yourself from further harm, and move towards life after identity theft faster and more effectively.

STEP 1: Call Companies Where Fraud Occurred

  • Inform them of the fraud
  • Close account (if necessary)
  • Change logins, passwords, and PINS

STEP 2: Obtain Credit Report & Set Fraud Alerts

  • Visit to obtain a credit report from 3 major credit reporting bureaus
  • Review each report carefully
  • Set fraud alerts with each credit reporting bureau

STEP 3: Report ID Theft to Federal Trade Commission

  • Visit or call (877) 438-4338 to complete the Identity Theft Report
  • Follow established recovery plan

STEP 4: File a Police Report

  • Contact local law enforcement to inform them of theft
  • Provide a copy of your FTC Identity Theft Report

STEP 5: Correct Credit Report information

  • Submit disputes to each credit reporting bureau that contains fraudulent account information
  • Can be completed online at the credit bureau’s website or by mailing a dispute letter

STEP 6: Consider an Extended Fraud Alert or Freeze

  • Extended fraud alerts last for seven years
  • Credit freezes last until you remove them

STEP 7: Contact Social Security Administration

  • Create a My Social Security account at
  • Review the earnings posted to your record
  • Contact Social Security if you see inconsistencies

STEP 8: Contact the Internal Revenue Service (if applicable)

  • Respond immediately to any IRS notice by calling the number provided

Remember, don’t wait to respond if you have been the victim of identity theft. Not only will you limit your liability for the fraudulent transactions, but you may also be able to stop the fraud from making a mess of your life. Feeling uncertain about what to do first is common, but by springing into action and following these eight steps, you’ll be on the road to rebuilding your finances.

Being aware of the latest scams and best practices in order to protect yourself in advance is always a good idea. Your Credit Union has a best-in-class Security Center, developed in cooperation with the same industry-leading consultants that keep your Credit Union cyber-safe.


To order a credit report: (800) 685-1111
To report fraud: (888) 766-0008

(888) 397-3742

To order a credit report: (800) 888-4213
To report fraud: (800) 680-7289

Annual Credit Report
(877) 322-8228

Federal Trade Commission
(877) 382-4357
Identity theft hotline: (877) 438-4338

Social Security Administration
(800) 772-1213
Identity theft hotline: (877) 438-4338

Share this article