Navigating the aftermath of identity theft can be incredibly difficult, as you’ll need to send disputes to all impacted parties, update your security information, freeze your credit, and file fraud reports. However, you’ll also need to monitor your credit to ensure no new activity or issues arise. As such, this can be incredibly overwhelming. If this reflects your circumstances, you’ll want to keep reading, as the following blog not only explores what information you should continue checking to protect yourself, but also the importance of connecting with a Michigan identity theft lawyer to help you through these difficult times.
What Are the Signs of Identity Theft?
First and foremost, it’s important to understand the signs of identity theft so you can act early. Generally, one of the early indicators that you are a victim of identity theft is getting calls or letters from debt collectors regarding regards account you’ve never opened. Similarly, you may receive mail regarding bank accounts, credit cards, or loans that you never applied for. This can be an indication that someone has used your information.
Additionally, you’ll find that errors on your credit reports may be the result of theft. While some errors may be mistakes by the creditor or credit reporting agency, they may also be indicative that someone has used your information. You may not be aware of errors on your report unless you check your credit report regularly, or you are denied a loan or purchase because of negative accounts on your report.
Finally, unauthorized activity on your bank accounts or credit cards can be indicative that someone has accessed this information and used it. If this occurs, you should contact your bank as soon as possible.
What Information Should I Monitor Following Identity Theft?
After your identity is compromised and someone uses your sensitive information to open accounts and commit fraud, you’ll want to take steps to monitor your information to look for continued theft.
Generally, the most important thing you should monitor while recovering from identity theft is your credit report, as this can alert you to any new accounts opened in your name. If this should occur, regularly checking your report can help you quickly dispute this fraudulent information.
Next, you should regularly check your financial accounts. This can help alert you to any unauthorized transactions that could occur if someone has your information. It’s imperative to regularly inspect the monthly statements you receive, as this can alert you to potential fraud. You may also wish to set up alerts from your credit card or bank regarding purchases over a certain amount, which allows you to quickly block and dispute these charges.
Identity theft can take a considerable toll on your life, as it can impact many different areas. As such, it is in your best interest to connect with an experienced identity theft attorney to help guide you through these difficult matters. At Lyngklip & Associates, our firm understands how impactful these matters can be. That is why we are committed to assisting you through these difficult times to fight for the best possible outcome for your unique circumstances. When you need help, do not hesitate to contact us today.
