How to Recover from ID Theft
Recovering from identity theft is easier with a plan. If someone has stolen your identity, or you’ve gotten a notice about a data breach, visit IdentityTheft.gov for help. IdentityTheft.gov is the federal government’s one-stop resource to help you report and recover from identity theft. It’s also available in Spanish at RobodeIdentidad.gov .
What To Do Right Away
Act quickly to limit the damage.
- Step 1: Call the companies where you know fraud occurred.
- Step 2: Place a fraud alert and get your credit report.
- Step 3: Report identity theft to the FTC.
- Step 4: File a report with your local police department.
What To Do Next
Begin to repair the damage.
- Close new accounts opened in your name.
- Remove bogus charges from your accounts.
- Correct your credit report.
- Consider adding an extended fraud alert or credit freeze.
You might need to take additional steps
- Resolve tax-related identity theft.
- Report a misused Social Security number.
- Stop debt collectors from trying to collect debts you don't owe.
- Replace government-issued IDs.
- Resolve child identity theft.
- Resolve medical identity theft.
- Clear your name of criminal charges.
Heritage Oaks Bank encourages you to take steps to avoid cyber theft and protect your personal and financial information.