ITRC Solution 18
Potential Scam Victim
If you received a phone call, filled out a form, or gave out information and think you could be a potential victim of a scam, we recommend you take the following steps:
- Contact the credit reporting agencies (CRAs) to place a fraud alert on your credit reports (see ITRC Fact Sheet FS 124). These are currently 90-day “advisory only” fraud alerts. You may re-establish a fraud alert with the credit reporting agencies on day 91.
- Cancel all credit card, bank account, or ATM/Debt account numbers given out. Password-protect those accounts.
- Notify DMV if driver’s license number was also given.
- Monitor your credit reports using the annual credit report system by staggering out your requests between the three credit reporting agencies every four months.
- Monitor the monthly statements sent to you from the compromised accounts closely. If there is a questionable charge or change of information then report it to the fraud department of that company immediately and close that account.
- File a police report stating you have responded to a scam. If you become a victim, this will be necessary to mitigate your case. Also, you may use this police report to obtain a 7-year fraud alert or a credit freeze.
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