So I recently had my purse stolen right out of my car. It was partly my fault as I didn’t have my doors locked. It was cold and I was trying to get my kids in as soon as possible. I had planned on going back to lock up and get my purse after I got them into their classrooms buyt got side tracked and didn’t go out. A package was also taken so I know for sure that I didn’t loose it, it was stolen. So I have started a small series on identity theft that you might find interesting. Now comes the what to do when segment…
If you have had your identification stolen there are certain things you need to take care of rather quickly to save a HUGE headache later. Here is what I have done already.
- I cancelled my debit/credit cards immediately.
- My check book was taken, so I had to freeze my account and open a new one. You could just tell your banking institution not to allow those checks to go through but the theif still has your routing number.
- I carry my insurance card. So I had to notify my insurance carrier. They were gratious enough to send me another card out immediately.
- I still need to file a police report. (I am so behind due to the holidays!)
I had just cleaned out my purse that morning so here are some other things y ou will need to do as well.
- Check your credit report every three months. You can get a free credit report from equifax, transunion, and experian. Each one will give you one free credit reort a year so go to one in 3 months and then the next at 6 months as so on. There are plenty of places to get a free credit report so don’t pay for one.
- You have the option of putting a fraud alert on your credit with each of the 3 companies but if you need a loan, it will make it extremely dificult. We opted not to do so.
- If your keys were in your purse when it was taken, change the locks on your home. it will just make you feel safer.
- If you are really worried, I suggest you go to a identity protection company like LifeLock. You will have to pay a monthly fee but it might make your mind rest easy.
I hope none of you have to deal with this, but as long as the funky, odd, and wierd stuff happens to me, you can rest assured that the bad guys are busy and you are safe from their activites for the moment. HAHA!
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译文:
身份被盗时，该怎么办？
最近，我的钱包从汽车里被偷了。对于此事，我也有部分责任，因为我没把车门关上。那天很冷，我想把我们的孩子们尽快送进教室。我本来打算把孩子送进教室后回来把车门锁上，拿上钱包。但是我并没有这么做，反而走了出去。一份包裹也被偷了，我肯定我还没有把它拆开，它就被偷了。于是，对于身份盗窃，我采取了一系列补救措施，你会觉得这些非常有趣的。现在，来看看事情发生时，该怎么做。。。
如果你的身份证被盗了，有这么一些事需要特别注意，以免以后让你头痛不已。这些都是我做过的事。
- 我立即注销了我的信用卡。
- 我的支票本被偷了，所以我必须冻结账户，并开通一个新账户。当然，你也可以通知你的银行机构，让它不要允许那些账单通过，但是小偷仍旧拥有你的路由号码。
- 我还带着我的保险卡。所以我必须通知我的保险承运人。他们会非常亲切地立即给我再一张卡。
- 我还需要跟警察提交一份报告。（因为假期的原因，我已经落后了！）
- 那天早上，我刚好清理了一下我的钱包，所以还有另外一些你们要做的事。
- 每三个月检查一次你的信用报告。 你可以从equifax, transunion, 和experian那里获取免费的信用报告。每个在一年之内都会给你提供一次免费领取信用报告的机会，第二种要在六个月之后。有很多地方都提供免费的信用报告，一张都不用花钱。
- 你可以选择对这三家中的一家进行欺诈警告，但是如果你需要贷款的话，这就要变得极度困难了。我们选择不这么做。
- 如果当你的钱包被盗时，你的要是也在里面，那你最好把家里的锁换了。这会让你感觉更安全。
- 如果你真的是很担心，那我建议那你去找一架象ILifeLock一样的身份保护公司。这样你就要支付月租费，但你就可以高枕无忧了。
我希望你们都不用处理这些麻烦事，但是只要那些猥琐、奇特、怪异的事还发生在我身上，你就可以放心，坏人正忙着，在那个时候，你是安全的。哈哈！
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