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Monday, November 28, 2011

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You are here: Home / identity theft / Identity Theft Recovery: The Road Back
Identity Theft Recovery: The Road Back

July 10, 2010 by  
Filed under identity theft

Leave a Comment

Not too long ago, a friend of mine mentioned that one of his
coworkers recently recovered his stolen identity. I asked how long the
process took. “Only two years” he replied.

Compared to my business partner’s six year nightmare “only” maybe
appropriate but like most victims of identity theft, he probably
thought “when”. As in, “when will I get my life back?”

Privacy Rights Clearinghouse, a consumer nonprofit organization,
reported that victims spend on average 175 hours trying to recover
their identity, often over a period of years. Factor in out of pocket
expenses, (usually over $1,500 according to the FTC) and recovery gets
painfully magnified.

What are the steps to identity restoration? It starts with obtaining
a police report. That report doesn’t mean other law enforcement
agencies have been contacted. Yet you must do a complete search of
local and federal law enforcement databases too find out if anything
else, including criminal activity exists on your identity.

You’re also going to need the police report to contact the many and
I mean many different agencies and organizations, including the Social
Security Administration, The Federal Trade Commission, all of your
financial institutions, the 3 major credit bureaus, the Passport
Office,The Department of Motor Vehicles, the Post Office, as well as
the Medical Information Bureau . All of these places must be sent a
fraud notification alert. Concerning your financial institutions, get
them to cancel your credit cards and close your bank accounts. Find out
from your bank about any suspicious activity, such as accounts tampered
with or opened fraudulently. Reopen new bank accounts with password
verification.

Know your rights. According to the Fair Credit Reporting Act of
1992, you must be told not only what’s in your file but if that
information is being used against you. The Federal Trade Commission
recently expanded the rights available to victims of identity theft,
including your right to get negative information due to fraud blocked
from your records.

This brings us to the credit bureaus. Make sure your credit report
reflects the identity theft and gets flagged with a fraud alert. Many
victims have received assurances that the matter would be resolved,
however months and sometimes years later, the credit bureaus have not
cleared their records. This without a doubt ranks as THE biggest
headache for identity theft victims.

Once a negative gets put on your record, it seems the credit bureaus
refuse to remove it, in spite of the countless documentation you
provide to them. This can affect you well into the future when buying a
house, car or any other big ticket item. If you are going to do this by
yourself, constant follow up is critical. That goes for all the
organizations but especially the credit bureaus. Be diligent until the
matter gets resolved. Getting a lawyer wouldn’t be a bad idea.

Stay Away from “credit repair companies”. No matter what they
advertise, there’s usually nothing they can do to help you with
identity theft. Some of them even offer to help you apply for credit
under a new identity. Hello? When trying to eliminate fraud from your
record you don’t want to create more fraud!

Advise the utility companies. It’s not just bank accounts and credit
cards. Many identity thieves commit fraud by opening telephone
accounts, purchasing cable television or establishing credit with the
gas & electric companies, in the hopes it will go unnoticed for as
long as possible.

If necessary get counseling. Identity theft can be a shattering
experience mentally and emotionally. Victims and family members often
feel violated. It’s not their fault of course but the feelings remain.
A network of support groups and counselors exists if you need it.

The road back from identity theft can take years, cost a lot of
money,and cause much stress and pain . But with follow up, support and
belief that the nightmare will end…the nightmare WILL end.

Daryl Campbell is a writer and home business owner. Now put more
power into your hands. Everything you need to build your Online
Empire and earn the income you desire! Pro Autoresponders, Pro
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