If you are a victim of ID theft, it it imperative that you call the 3 credit bureaus immediately to place a fraud alert on your file:

Once you have called, you will need a real police report (not the online version as Experian will not accept this) Bring your credit reports with you and insist on a MISC ITEMS report if they give you a difficult time. BTW, if over 10,000.00 has been cahrged to your accounts you should also contact the FBI and the Attorney General in your state.

On the www.ftc.gov website you can download and print the ID Theft affidavits, which you will need to have notarized. Include a copy of your credit reports and 2 forms of ID, one with photo. Send to each bureau separately via certified return receipt mail(Attn: Fraud Dept).

Experian

701 Experian Parkway

Allen, TX 75013

Equifax

1550 Peachtree Street NW

Atlanta, GA  30309

Transunion

2 Baldwin Place

Chester, PA 19022

Make sure you keep a copy of everything in your files. They have 30 days to respond. Once you get your reports, review that all information is corrected. If not, resend with a new letter and circle the items still appearing on your reports and request a re-investigation immediately. On items not corrected, you may also send a copy of the police report and theft affidavit to each company directly. Be sure to reference the account number on your report.