When you apply for a credit line, you must provide various documents to prove your identity, like your social security number and driver’s license. These items are essential; when someone steals your identity, they pretend to be you. They can open accounts, take loans, and substantially damage your life. If you were a victim, seek help from a California credit identity theft attorney at Martin & Bontrager, APC, right away.
There are many ways that identity theft can happen, and you must stay alert for suspicious activity on your accounts. You must get your yearly credit report and look for any activity that you did not do. Other signs you are a victim of identity theft include:
When you see an unfamiliar charge, you must contact the credit card company and file a dispute to document the discrepancy. If the account is on your credit report, you will contact the credit reporting companies Equifax, TransUnion, and Experian to file disputes.
In most instances a consumer will need to file a police report. It is a requirement under CA law and a requirement by a lot of banks in the ID theft process.
Avoid trying to find the culprit because your efforts are futile. The criminals can be someone you know, a stranger at the store, or someone in a different country; your focus must be on disputing the transactions and protecting yourself. In addition to filing disputes, you must also file a police report, which will be necessary for legal action. Lastly, you must contact a Los Angeles credit identity theft lawyer.
Credit theft is detrimental to your future, and you have no idea what the culprit will do next. While you can work with credit agencies and companies independently, it will only resolve some of your issues. However, working with the LA credit identity theft attorney from Martin & Bontrager, APC, gives you more legal options. Contact our office today to schedule an appointment.