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What To Do If Your Identity Has Been Stolen
Episode 3513th March 2024 • The Miller Law Chronicles • Attorney James Miller
00:00:00 00:11:34

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In this episode of The Miller Law Chronicles Podcast, we dive into the alarming issue of identity theft and provide you with essential steps to take if you find yourself a victim. With the increasing prevalence of cybercrime, it's crucial to know how to protect yourself and what actions to take if your identity has been stolen. 

Join us as we discuss practical tips, legal insights, and expert advice to help you navigate this challenging situation. Don't miss out on this informative episode that could save you from the devastating consequences of identity theft. Tune in now!

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Atty. Jamie Miller: [:

So I just wanted to get some information out there that will help you to figure out if in fact, your identity has been stolen and if it has. Some steps that you can take to protect yourself moving forward and to help yourself get back on your feet as far as your debt goes. Appreciate the opportunity to talk to you.

you subscribe and like us at [:

Atty. Jamie Miller: This is Attorney Jamie Miller, and today we're going to talk about Identity Theft. It's a topic that I wish I didn't have to talk about, but it's something that we're seeing in our office. More often than we have seen in the past and I wanted to chat just for a few minutes to help you understand. What you can do if you suspect that you've had Identity Theft. How you can figure out if you've dealt with that or if you suffered from somebody stealing your identity. So if you're receiving bills for items, you did not buy or accounts you don't recognize or medical services you didn't use.

So if you're seeing those [:

So, if you see that a tax return has been filed in your name that you didn't submit, that can be another sign or a deny of credit because of fraud. Because your credit score might be dropping. So what you should do if you believe that any information has been stolen or fraudulently taken, it's hard to know what to do or where to report it.

and let them know that your [:

You have to check your credit report. You have to do it every month, every two months, every quarter. Make sure you get on a pattern of checking your credit report to see if there's things on there or a drop in your score that may not have been impacted by actions on your own. So request copies of your credit report from all three nationwide Credit Bureaus.

That's Equifax, Experian, and TransUnion. Keep an eye out for any information that's inaccurate or incomplete or unfamiliar accounts or addresses that are appearing on your credit report. You may see on your credit report that your credit's been pulled, but you didn't give anyone authority to do that.

port.com and get that credit [:

So monitor your credit score. If that credit score is dropping that could be another sign of Identity Theft. You can also get a free credit report at VantageScore.com so that's something you can do. Consider placing an initial one year fraud alert on your credit report.

r credit report, and they're [:

But for the fraudster out there who's trying to get credit in your name, it's going to be an extra step. That's going to be very important, fraud alerts are free and you only need to contact one of the three nationwide Credit Bureaus to have a fraud alert placed on your credit reports. bureau will contact the other two, so if you put a fraud alert on TransUnion, Equifax and Experian will get notice of that also. So that's really important.

reports, but both generally [:

So unless you temporarily lift or permanently remove a security freeze or lock your credit reports, creditors aren't going to be able to assess your credit to give you credit. So, you control when creditors have access to your credit report. So if you go to apply for that car loan, you temporarily will lift your credit freeze credit lock, get the credit, and then lock it back up again.

You're going to want to submit an Identity Theft report to the Federal Trade Commission online. So go to IdentityTheft.gov by reporting the theft online, you can receive an Identity Theft report and recovery plan. So that's really important. So make sure you report it. You could go to the police, the local law enforcement.

A police [:

To assist you so monitor your accounts for suspicious activity, including changes you don't recognize. The FTC advises you to keep a record of calls you make in the people you speak to and keep copies of letters you send or receive. It's also a good idea to keep a written record of the actions that you're taking, such as closing accounts or disputing charges.

So it could impact your credit score. So you're going to want to address it right away. Now, another thing that you can do is hire a service like Aura, LifeLock or Identity Guard, where moving forward, they're going to monitor your credit. So if you have an Aura, A U R account. Someone applies for credit in your name, you're going to get a notification.

ave one of these third party [:

But when you think about the cost of having bad credit because of Identity Theft, investing with Aura or Life Lock or Identity Guard can be a really important thing. I'm so sorry that we even have to have this conversation, but it was really something I just wanted to bring top of mind.

Because we're seeing a lot of Identity Theft go on in our world now. Just want to make sure that you're taking steps and you are actively protecting yourself so that Identity Theft doesn't happen. So sorry if it's happened to you. If you have questions or you'd like to give us a call or you have anything you want to say in the chat below, please feel free to use that.

ally appreciate if you would [:

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