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If your local police department refuses to file a report and your situation credit score scale Augusta involves fraudulent use of the U.S.

mail, you can obtain an identity theft report from the U.S. If your case involves fraudulent use of a driver's license in your name, you might be able to obtain a report from your state's Department of Motor Vehicles. The FTC has more information on identity theft reports at http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/defend.html 3. Federal Trade Commission. Report the crime to the FTC. Although the FTC does credit score scale Augusta not itself investigate identity theft cases, they share such information with investigators nationwide who are fighting identity theft. What to do with new credit credit score scale Augusta accounts opened by the imposter. If your credit report shows that the imposter has opened new accounts in your name, contact those creditors immediately by telephone and in writing.

Recent amendments to the FCRA (§623(6)(B)) allow you credit score scale Augusta to prevent businesses from reporting fraudulent accounts to the credit bureaus. free credit report from

Creditors will likely ask you to fill out credit score scale Augusta fraud affidavits. The FTC provides a uniform affidavit form that most creditors accept, http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf. No law requires affidavits to be notarized at your own expense. You may choose to substitute witness signatures for notarization if creditors require verification of your signature.

Ask the credit grantors in writing to furnish you and your investigating law enforcement agency with copies of the documentation, such as the fraudulent application and transaction records.

Both credit score scale Augusta federal and California law give you the right to obtain credit score scale Augusta these documents. free credit reports now The California Office of Privacy Protection provides instructions and sample letters on how to obtain documentation from credit grantors, www.privacy.ca.gov/cis3aenglish.htm A victim of identity theft must provide a copy of the FTC affidavit or another affidavit acceptable to the business, plus government-issued identification, and a copy of an "identity theft report" (police report) in order to obtain the credit score scale Augusta documents created by the imposter. The business must provide credit score scale Augusta copies of these records to the victim within 30 days credit score scale Augusta of the victim's request at no charge. The law also allows the victim to authorize a law enforcement investigator to get access to these records. When you have resolved the fraudulent account with the creditor, ask for a credit score scale Augusta letter stating that the company has closed the disputed account and has discharged the debts.

You may need it if the account reappears on your credit report. You must also notify the credit bureaus about the fraudulent accounts. tri merge credit report free Handling problems with your existing credit or debit accounts. If your existing credit or debit accounts have been used fraudulently, report it in writing immediately to the credit card company. Request replacement cards with new account numbers. In addition to credit score scale Augusta phoning the credit card company regarding the fraud, you will need to follow up in writing and will likely be asked to provide a fraud affidavit or a dispute form.