What do you do when out of the blue you find that you are a victim of identity theft? It is a shocking experience and an extremely stressful one too. People usually get panicky only thinking about such a scenario, forget about really living through it. The best way to fight this danger is to be well prepared.
It Can Happen To You, Too
Don’t stay smug, thinking that it will never happen to you. It can happen to absolutely anyone. The perpetrators are getting cleverer with every day passing – and funnily enough more identity thefts are done with information obtained offline than online. There are many sources that will help you cope and provide guidance on what to do post identity theft. One of the better resources is consulting a good identify theft attorney.
There are many ways that an identify theft attorney can mitigate the disaster you find yourself in at that time. They not only know the exact legal procedure, but also can advise and assist you in limiting the losses to the minimum possible. You do not need an identify theft attorney however, to know that speed in taking redressive action would be critical to your effective protection against financial losses.
You need not be a victim of identity theft, even after the deed is done, if you act fast and as per the advice of an experienced identify theft attorney. You will need to inform the police about your loss and you will also need to inform the credit card providers about loss of your credit cards.
As the identify theft attorney would inform you, the best way to stay safe in today’s world is by constantly checking the status of your credit. Do not think that only the loss of your wallet will result in identity theft. Many times, the fraud is done so subtly that it will take you months, sometimes even a year before you learn about it.
Hence, be proactive. Ask for a credit report every three to six months and be aware of what is in it. These reports are free most of the time. If they are not, it will still be good for you to check the reports at regular intervals. This is very important even it costs you a nominal fee.
There are many people who find out about their identity theft and manipulations only when angry creditors come banging at their doors demanding for payment. By then it is too late to take any action, and you will have to pay up. Do not let this happen to you. Stay alert. Stay safe.