Reporting Credit Card Fraud

{What to do if you suspect identity theft|Suspect identity theft?|Victim of identity theft?|Help, my identity was stolen|Have you seen my identity?|Identity Theft 101|Identity Theft - Road to Recovery|Identity Theft FAQs|Recovery from ID theft} Many people who have been victims of identity theft have been at a loss for what they should do in this situation. Identity theft can happen to anyone and many times you have done nothing wrong to cause this. If you think that you have been a victim of identity theft it is important that you take immediate action and start to work on the damage that has occurred by an identity thief. The first step you can take is to determine what actually has happened. Missing credit cards, driver’s licenses, and other financial items, or identification items should be reported and canceled immediately. Canceling these can insure that they can no longer be used by anyone. You should also be sure to make sure that no purchases have been made that were not made by you. You can work with your credit card company to get through this tough identity theft situation and to ensure that you are not held responsible. You should also be sure to check your credit report as soon as possible. You can actually get your credit report online and it is very important. You should be sure that everything on your credit report is accurate and if it is not you should report the identity theft. Checking your credit report can either put you to rest that you have not suffered from identity theft or can show you where to look when your identity has been stolen. If you ever find accounts listed that you are not aware of it can be a sign that you have been struck by identity theft. Also make sure you check the addresses listed to be sure no one has tried to get credit under your name using a different address. If you do find any problems with your credit report it is important that you get in touch with the lenders to find out what is going on and to let them know that you never opened that account. You can find the numbers of these lenders actually on the credit report to make it easy to contact lenders about the identity theft. After you have made the initial reports you will need to go on working with the lenders to get to the bottom of the problem. At times you may even need the help of an attorney to help you get through some of this identity theft process. It is important that you take measure to protect yourself and be aware of what you can do if you ever are the victim of identity theft.