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Get Help if Your Identity Is Stolen

1/24/25


If you see something suspicious or believe your identity has been stolen, it's important to act quickly. Here's a step-by-step guide on what to do next:

1. Report it to the Federal Trade Commission (FTC)

Your first step should be to immediately report the theft to the FTC. Visit IdentityTheft.gov to file a report online, or call 1.877.438.4338 to file a report over the phone. Be sure to include as many details as possible in your report.

Based on the information you provide, the FTC will provide you with a free personal recovery plan that outlines the specific steps you need to take to resolving the issues caused by identity theft. The FTC can walk you through each recovery step, update your plan as needed, track your progress, and pre-fill letters and forms for you. This can save you time and ensure that you have the necessary documentation ready to go.

2. Call the companies where you know fraud occurred

If you recognize fraudulent charges, transactions, or accounts that you did not open, contact the companies where the fraud occurred. Explain that someone stole your identity and ask them to freeze or close your accounts, so that no new charges can be made. If you have it, be sure to provide them with a copy of your identity theft report - this proves to businesses that someone stole your identity and guarantees you certain rights.

To report fraud on a Texans Credit Union account, call us at 972.348.2000 (or toll-free at 1.800.843.5295).

3. Place a fraud alert

When you have a fraud alert on your credit report, a business must verify your identity before it issues new credit. This protects you by making it harder for new accounts to be opened in your name. A fraud alert is free and can be made by contacting any of the three major credit bureaus. They will then report it to the other two bureaus. Fraud alerts last one year and can be renewed after one year if needed.

4. Review your credit report

Review your reports. Look for any additional accounts or information that you don't recognize and report these immediately. You can get a free weekly credit report from each of the three major credit bureaus at AnnualCreditReport.com

Identity theft can feel overwhelming, but remember: you’re not alone. Reporting the theft and following a recovery plan can help you regain control. The sooner you act, the better your chances of resolving the situation quickly. Stay vigilant, and don’t hesitate to reach out for help along the way.

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