It’s not uncommon to receive spam emails, text messages, or even physical mail. However, when you’re seemingly inundated with messages, you may begin seeing other strange occurrences. It’s important not to dismiss these signs, as they could be indicative of the fact that your identity was compromised. As such, the following blog explores how you can tell if your identity is at risk and why it’s imperative to connect with a Los Angeles, California identity theft lawyer who can help you recover from this theft.
How Will I Know If My Identity Has Been Compromised?
Unfortunately, when you are a victim of identity theft, there is no alert on your phone that will tell you when your information has been compromised. As such, you must stay vigilant to signs and indicators that your identity has been stolen.
Generally, one of the most important things you can do to determine whether or not your information was stolen is to frequently check your credit reports. You can request one free copy from each of the three reporting bureaus per year, meaning you have the ability to check your credit report once every four months. If there are any signs of identity theft, such as new accounts opened in your name or debts you did not take out, they will appear on your report.
Another thing you should be on the lookout for is strange bills in the mail. Often, if someone makes a large purchase in your name, you will receive a paper statement. It’s important to check to see if this was sent to you by mistake or if it is an indication of identity theft.
Other indications of identity theft include running out of medical benefits, receiving your tax forms even though you haven’t filed, being denied loans, receiving calls and communications from a debt collector, or finding unauthorized activity on your credit cards.
What Should I Do If I’m At Risk?
If you believe you are at risk of identity theft, it’s important to understand what you can to do minimize the risks and mitigate damages. Generally, the first thing you should do is place a credit freeze on your accounts. This will prevent additional accounts from opening in your name, as lenders will be unable to access your information.
Next, you’ll want to report the theft to the Federal Trade Commission. They will provide you with a personalized guide based on the circumstances surrounding your identity theft to help you recover your identity. Many lenders require this report in order to dispute charges on consumer reports.
If you’re experiencing difficulty after your identity has been stolen, understanding your legal options is critical. In many instances, you’ll find that creditors can be difficult to work with, even when you have proof that you are a victim of identity theft. As such, it’s in your best interest to enlist the assistance of an experienced attorney who can help guide you through these complex issues. At Los Angeles Legal Solutions, our dedicated team will do everything possible to help guide you through these matters. Contact our firm today to learn how we can assist you.
