Surviving The Process of Filing an ID Theft Report

Surviving The Process of Filing an ID Theft Report

If you've been victimized by an identity thief, one of the things that you need to know is how to properly file an ID theft report. This is a specific type of report with details of the identity thief's crimes against you. Not only do you need to know how to file such a report, but you also need to understand why it is so important to do so.

For starters, the most important thing it can do is assist authorities in catching the crook. It can also help you clear up your own credit report. Many victims fail to realize that once you file an official report, you can send it to creditors, collection agencies and businesses that may be hounding you because of what the thief did.

Additionally, you can send a copy of your ID theft report to the major credit reporting companies, such as Transunion or Equifax. These bureaus are then obligated to clear any fraudulent charges that you didn't make from your record, and set your credit report back to normal. Just remember that there are often time limits on how late you can file these reports with them.

Additionally, credit bureaus will put a marker or flag on your account. That marker will help them more closely monitor your account for a period of time.

In other words, they'll be much more likely to catch the thief, since if the thief continues to try to use your credit, his actions will be closely monitored. So you are doing yourself a huge favor by filing a proper ID theft report.

Do not make the mistake of believing that this will simply be a normal police report. A normal police report might say that you reported identity theft on a certain day, but that's about where it ends. An official report of the crime, on the other hand, will cover the specific details of it; these specifics are of the utmost importance.

In the details of your ID theft report, you need to mention the specific instances of fraud. In it, you should talk about the companies, accounts and monetary amounts involved in the fraud. Also list dates and if possible, times of occurrences. The more details you give, the better off you will be when you need to prove that you are a victim of identity theft.

The biggest thing that you need to know about filing a report related to identity theft is that law enforcement officials really don't have to listen to you and take your report.

The truth is, police officers are only required to take police reports. So, you may have to press the issue with local or state officials several times before you get the ID theft report that you really need.

In fact, many victims find that getting the official report is often the most difficult part of the battle.

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