Proving You've Been the Victim of Identity Theft

Recovering from Identity Theft

Becoming a victim of identity theft isn't hard at all. In fact, it can happen without even trying. Proving you've been the victim of the crime, however, is an entirely different story. Not all creditors are understanding and not all law enforcement professionals are familiar with this type of crime. Here are some steps you need to take if you ever need to prove you've been the target of an identity theft attack.

Get A Police Report

The first thing you need to do when you discover you've been the victim of an identity theft crime is file a police report. If you don't have this documentation your creditors probably won't be willing to work with you and won't be likely to forgive the fraudulent debts.

Unfortunately, filing a police report isn't always as simple as a walk in the park. Some local authorities are still reluctant to take a report for an identity theft crime. If you run into trouble filing a police report, be persistent. If your police department continues to refuse your request then ask to file a miscellaneous report. If that doesn't work, try your county and/or state police department.

Get Copies

After you've filed a police report, get a copy of your credit report and highlight all of the fraudulent accounts. You need to start calling creditors pretty soon, and this report is going to give you a place to start.

Once you have all of the questionable accounts highlighted, call each creditor and tell them the account in your name is connected to a case of identity theft. They will want a copy of the police report and will have some paperwork for you to fill out. Just remember that no matter what these creditors say, you are not responsible for any fraudulent debts that are the result of an identity theft crime.

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