6 Things To Do If You Become A Victim Of Identity Theft

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6Things To Do If You Become A Victim Of Identity
Theft
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Identity theft occurs when someone uses your
name, credit card number, or other personal
information without your knowledge permission.
This personal information is often misused.
For instance, your PAN card number could be used
by thieves to falsify their income and credit
history when they apply for a loan, open new
lines of credit or file taxes.
As soon as you suspect that youve been a victim
of identity fraud, take these steps immediately
to clear your name and your credit
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Lock the concerned account register FIR
When you start getting messages about a purchase
which was not made by you, contact your bank or
lender or insurance company immediately to lock
down the account. 
The next step is to register an FIR in the
respective police station to legalize your
complaint to find out the fraudster.
Almost all the banks provide an instant SMS
acknowledgment service to verify your purchases. 
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Put a fraud alert on your credit reports
Contact the credit information companies such
as CRIF and place a fraud alert on your credit
report. A Fraud alert notifies lenders to verify
your identity before extending any credit, by
calling you at a phone number you provide.
You can place a temporary alert which lasts for
90 days or an extended fraud alert which lasts
for 7 years.
Another option for identity fraud prevention
measure is to place a security freeze on each of
your credit reports.
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New applications will automatically be declined
because, without access to your file, the
creditor will have no way to assess your credit.
Unlike a fraud alert, in case of security freeze,
youll need to contact each credit information
company individually to place a freeze on your
files.
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Check Your credit reports
After installing a fraud alert in your credit
file, youll automatically receive a free credit
report from each of the 4 agencies, and you will
be opted out of preapproved credit card and
insurance offers. Once you receive your free
reports.
Check your reports for signs of fraud new
accounts you didnt open, hard inquiries you did
not make, payment history you cant account for,
an employer you never worked for and any personal
information unfamiliar to you.
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File a police report
The police may not be able immediately helpful if
your identity was stolen by criminals online and
overseas, your report could help them track down
someone who is stealing information locally.
Alert the police in your city. You may also need
to report the theft to the police departments
where it occurred. Make sure to get a copy of the
police report and/or the report number.
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Close existing Open new financial accounts
Identity fraud victims should talk to their banks
financial institutions to determine how they
can further avoid the damage. 
They might require you to close existing accounts
(even the ones that havent been compromised) and
reopen new accounts. It can be a tedious process,
but a necessary one to avoid a future incidence.
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Tighten your account settings
Regularly update passwords to all your online
accounts. Make sure they are strong containing a
mix of letters, numbers, and symbols.
Avoid using the same password for multiple
accounts. Delete any personal information such as
addresses and phone numbers of public profiles on
social media and other sites.
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You can get both your Personal Credit Score and
Business Credit Score by applying directly on
the link mentioned below
https//cir.crifhighmark.com