So Someone Stole Your Identity, Now What?: Don't Be a Victim!

By Sameria Paul-Goff

So Someone Stole Your Identity, Now What? is an easy-to-follow step-by-step guide written by an identity theft victim who has gone on to help others clear fraudulent items from their credit files. This guide takes you through the process of clearing your credit file of identity theft and discrepancies, which will ultimately allow you to return your credit to its good standings. Organizing this information into book form has allowed the author to share valuable information with an unlimited number of consumers.

Learn about the initial step of filing a police report, contacting the Federal Trade Commission, contacting the creditors/debt collectors, and contacting the credit bureaus.

Get familiar with the process of reporting the fraud, fraud alerts and security freezes, locking and unlocking your credit file, removing items from your credit file, completing the identity theft report, and so on.

And lastly, pore over the Helpful Tips section, that discusses the things to avoid, things to remember, and how to organize and eliminate creditor/debt collector harassment information, and child identity theft tips.

• Language: English
• Publisher: Page Publishing, Inc.
• Release date: Apr 28, 2023
• ISBN: 9798886540482

Book preview

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So Someone Stole Your Identity, Now What?

Don't Be a Victim!

Sameria Paul-Goff

Copyright © 2023 Sameria Paul-Goff

All rights reserved

First Edition

PAGE PUBLISHING

Conneaut Lake, PA

First originally published by Page Publishing 2023

The information provided in this book is intended for victims of identity theft and is intended to provide helpful information pertaining to removing identity theft from your credit file. This book is not meant to be used, nor should it be used, to remove information from your credit file that does not pertain to identity theft or inaccuracies.

ISBN 979-8-88654-052-9 (pbk)

ISBN 979-8-88654-048-2 (digital)

Printed in the United States of America

Table of Contents

Note from the Author

Acknowledgments

The Police Report

Get Organized

Copies of Your Credit Report

Reporting Fraudulent and Inaccurate Information

The Fraud Department

Extended Fraud Alert and Security Freeze

File Frozen Due to State Legislation

You've Received Your Credit Report, Now What?

The Federal Trade Commission

The Identity Theft Report

This Can Happen As Well

Requesting a Copy of Your Updated Credit Report

Reviewing Your Updated Credit Report

Helpful Tips

Eliminate Harassing Phone Calls

Inaccurate Information on Your Credit File

Blocking Similar Characteristics

Unwanted Telemarketing Phone Calls

Check Verifying Companies

Things to Avoid

Things to Remember

Child Identity Theft

About the Author

To my parents, Joyce and Don Paul.

To my six aunts—Glory, Bobbie, Jan, Terry, Martha, and Stene. You have all been involved in raising me in some way or another. Thank you for being the sisters I never had.

Rest in Peace Daddy, Aunt Stene, and Aunt Jan.

Note from the Author

Dear Reader,

I would like to thank you for giving me this opportunity to provide you with valuable information pertaining to your credit. I wanted to share this information in an uncomplicated way that is affordable, educational, understandable, and an easy read. I have come across so many people that do not have a clue about their credit. The numbers are staggering. If you do not take away anything else from this book, please educate yourself on