What To Do If Your Identity Is STOLEN
Vložit
- čas přidán 1. 07. 2020
- ✅CHECK OUT MY COMPREHENSIVE COURSE ON PERSONAL FINANCE:
Learn about building credit, establishing savings, effective budgeting, and managing debt!
► www.udemy.com/course/keystone...
✅ GET THE KEYSTONE FINANCIAL GUIDE:
The ultimate all-inclusive textbook on Money and Investing!
► keystonefinancialeducation.com
✅FOLLOW ME ON INSTAGRAM:
► / ejgindis
► @ejgindis
In this video I'll discuss every aspect of identity theft recognition, prevention, and what to do. Here are the highlights...
Identity theft is the crime of stealing and impersonating another individual’s identity for financial gain. How much of a problem is it?
-14.4 million ID theft victims
-$1.7 billion in out-of-pocket costs
-1 in 15 people were affected
-Average cleanup from an ID theft was six months and 200 hours
-Average cost was $600 per incident.
How do you know when your personal info was compromised?
1. Your bank statement doesn’t look right or your checks bounce.
2. You see unfamiliar and unauthorized activity on your credit card or credit report.
3. Your bills and mail are missing or you receive unfamiliar bills.
4. You get denials for loan applications
5. You notice an unexpected drop in your credit score.
6. Your cell phone or another utility loses service.
7. You receive calls from debt collectors for accounts you didn’t open.
8. Your medical bill doesn’t add up, or your medical claim is denied.
9. You’re unable to file taxes because someone has already filed a tax return in your name.
10. You’re notified that your information was exposed in a data breach.
If you have confirmed that you are a victim of identity theft...
1. Place a fraud alert with all three major CRAs and get your credit reports:
TransUnion.com/fraud
1-800-680-7289
Equifax.com/CreditReportAssistance
1-888-766-0008
Experian.com/fraudalert
1-888-397-3742
2. Call any company where you know fraud occurred and close or freeze all accounts. If you don’t close them, at least change all PINs and logins.
3. Report identity theft to the FTC. Go to IdentityTheft.gov or call 1-877-438-4338. Include as many details as possible. Based on the information you enter, IdentityTheft.gov will create your Identity Theft Report and recovery plan.
4. Close new accounts opened in your name.
5. Remove bogus charges from your accounts.
6. Correct your credit report with the big three CRAs by contacting their fraud departments.
TransUnion
Fraud Victim Assist. Dept.
P.O. Box 2000
Chester, PA 19022-2000
Equifax
P.O. Box 105069
Atlanta, GA 30348-5069
Experian
P.O. Box 9554
Allen, TX 75013
7. Consider adding an extended fraud alert or credit freeze to your reports.
8. If you suspect a misused Social Security number, review your Social Security work history. You do this by creating an account at this address ssa.gov/myaccount. If you find errors, contact your local Social Security Administration office.
9. If you suspect your taxes have been filed by someone else, contact the IRS to let them know.
10. If you suspect medical services were provided to someone else under your name, contact your health insurance provider.
11. Stop debt collectors from trying to collect debts you don't owe. FTC’s IdentityTheft.gov can help you with the proper letters to write.
12. Replace government-issued IDs at your first opportunity.
13. Finally, clear your name of potential criminal charges by letting your local police department know of the ID theft right away. That way if someone uses your name in a crime, you won’t be confused w that person. This sounds unlikely, but it has happened in the past.
Here are some steps you can take to minimize the chances you will fall victim to ID theft, or not allow the thieves to do too much damage if it happens.
1. Freeze your credit. A freeze will stop all activity on your credit file, and since a credit check is always required, this will stop anyone trying to open a new account. To freeze or unfreeze your credit call or go online with all three CRAs.
-TransUnion: Call 888-909-8872 or:
transunion.com/credit-freeze
-Equifax: Call 800-349-9960 or:
equifax.com/personal/credit-report-services
-Experian: Call 888 397 3742 or:
experian.com/freeze/center.html
2. Safeguard your Social Security Number. Don’t carry your card with you, and be sure to securely store or shred paperwork containing it.
3. Scrub your social media and do not give away any personal data. Do not reveal your mother’s maiden name or your exact birth day.
4. Monitor your medical and financial records.
5. Shred everything. Shred all unsolicited credit card offers or opt out for five years by calling 1-888-5-OPT-OUT (1-888-567-8688) or visit OptOutPrescreen.com.
6. Keep an eye on your mail. Use a secure mailbox, and retrieve your mail immediately.
7. Keep an eye on your wallet or purse in public.
8. Secure your online data and use strong passwords.
⏰Here's what is in the video with the approximate time hacks⏰. Thanks for watching!
1. What is identity theft? (00:23)
2. How much of a problem is it? (00:40)
3. How do you know your info was compromised? (01:45)
4. Actions to take in case of identity theft (02:55)
5. Preventing identity theft (05:20)
What about if someone has ur id info
Someone was able to steal my $1,500 Western Union! It takes 21 days to do their investigation so I'm not exactly sure yet how they got my money! I filed a police report and froze my credit! Thieves are total pos losers!
Hey is all the information legit
Thank you so very much. The info. given is absolutely great.
Why isn’t the financial institutions held accountable for not verifying loan applicants? They are the gatekeepers
Nowadays if you don't freeze your 3 main credit bureau accounts, then you might be in trouble. You also need to freeze Checksystem account too. Those 4 accounts are the keys to make your life miserable, so freeze them to save yourself. Those 4 accounts are allowable for unfreezing any time.
True
Even last year my IRS pin was stolen from my mailbox
While @Taunt or whatever in your comment section is technically correct, in no way does this negate your original question, and what a hellova fact you're making! You are validated in thinking, or, allow me to say; believing this for what it is! Great question! Why dont they? We've all learned how to keep our private info secure and now we're paying for someone elses break in FTC protocol? Someone who logged in the companies email while at Starbucks? You & I know never to do this! In fact, you will receive a pop-ups warning you "this network is not safe." And yet, here we are.. Not changing the company's passwords every 60 days? No worries, its just someone elses private information that will follow them the rest of their lives! Not us! this way! Necause it sure seems like common sense. These companies are hiding that fact, blameshifting ANY of their failure to protect. If I were to do this? I'd be facing 5 or more years in federal prison, a $10G fine, or more, and hopefully both! I see your comment was made 9 months ago, it's even more valad this week! I see multiple others have taken just a moment to comment. It sure pisses me off this "expert on what to do" whose claim is the be here for us goes totally silent. And now he expects me to watch his video? F HIM!? I'll take my stolen information elsewhere! Dudes got a super punchable face right now.
Well if they already have your SS#, isn't it kind of late? It's so ridiculous that that number is tossed around everywhere and then you can't even change it.
we have the tech for centuries but they don't care, not in us not anywhere else. biggest capital gathered is by biggest scammers
Thank you for this video. I am going through this right now . Someone got a hold of my social security number and opened up several fraudulent accounts in my name. I have been going through hell trying to get this resolved . I have frozen my credit and placed a fraud alert with all 3 credit buerous and locked my credit report file. This is super stressful. I worked so hard to get my credit score up to where it needed to be all to have some selfish idiot come and ruin all my hard work 😒
You're welcome! Doing what I can to help folks fight against this huge problem. Once you restore everything, keep your credit frozen for good. Only unfreeze it briefly if you need to apply for something, and then freeze it back up again. Its the single most effective way to prevent anyone from opening any credit in your name again.
@@KeystoneFinancialAcademy ...I will and thanks for your reply. It is much appreciated
@@KeystoneFinancialAcademy hello sir, I made a big mistake by applying for a job I put all my information in the application including social security number I had no idea how risky is this my score credit 0 yesterday I got a letter says that I got approved to get 500$ credit but I never applied for any credit ! I’m terrified now if they stole my information and use it plz what should I do to find out if someone using my social??? Thank you .
Hey there any updates on ur identity theft
@KeystoneFinancialAcademy ANSWER LILLYLILLYS QUESTION! Do you know how embarrassing and shameful it is to admit this happened and then, when asking for help -from an expert- only for them to ghost you? Dude, check your own accounts at the Academy.
Im dealing with this right now.Someone tried stealing my personal info😔
Thank you this is very horrible and it can happen to anybody and it's happening more and more all the time I am very very aware of everything now
Thank you for the Information. You explain it very clearly.
Thank you for your advice I never knew the proper steps thanks 👍🏾💯
This the most helpful video. Thank you so much! 🙏
Alot of my social media accounts have been breached you should address this next.
“Identity Theft starts in the Home!” ~David L Nelson, Attorney at Law
I can’t stop it 7 years now I’m broke living check to check while my family clears me out every bank account I start
Omg just found out today when I went to air force base to do a job and after handing over license they told me about identity theft. Not a good day, but thank god I found out too.
Thank you!!!! This is such a stressful situation.
You're welcome! Doing what I can to help out...
@@KeystoneFinancialAcademy hey I have a question. Can someone steal my identity with my full name, address and date of birth?
@@KeystoneFinancialAcademy please reply soon.
Its not likely that someone can steal your identity and open accounts in your name with just your name/address/birthday. Its not quite THAT easy, especially not now in 2021. In the past maybe, but today you need more identification and personal info. However, this info is still valuable as its another few pieces in the puzzle for a thief. Additionally this information can be used to trick you, or someone close to you, into revealing more info, including critical items like Social Security number. Best bet is to keep ALL your info as private as possible, and definitely don't post your exact birthday and place of birth online or reveal it to strangers.
@@KeystoneFinancialAcademy ok. Thanks. But aren’t full names and dates of birth available online now anyway? Like on websites. I’ve been told this by someone else.
THanks THIS IS VERY HELPFUL
Happened to me earlier this year. Wasn’t fun dealing with it, that’s for sure. I got it cleaned up within 45 days. I froze my credit line. It’s locked up and can’t be accessed without me called all the credit bureau and giving the password.
Aye bro can we talk asap this just happened to me idk what to do I’m
Bro please can you help me I have this problem today
@@jwd3503 hi, sorry I’m just replying to you. Also sorry that you have to go through this. Can you tell me what happened so I can give you the correct information and the steps you’ll need to take.
@@jcfc8197 I was applied for loan for my grandmother medical expenses she living in India and I apply five places I really need money that time and yesterday I got call someone told me that his company name is cash advance and they approve my loan I was so happy because I can treat my grandma and then they took my all information including bank and my personal identity letter on I figured it out it was scam please I need help I don’t know what to do thank you 🙏
@@jwd3503 shit, never ever give out your bank account info. Has any money been withdrawn out of you bank account? If so, call your bank and tell them that you noticed money missing from your account and that you didn’t authorize the transaction. Calm Identity Theft, and tell them to close the account and open a new account.
If no money has been taken out of your bank account, go ahead a close the account anyway and open a new account. If you gave out your SS number, and your date of birth, your mothers Maiden name you have to call all 3 credit bureau and put a freeze of your line of credit. Freezing your line of credit means you nor anyone else can use your name/SS number to get a credit, buy a car, boat or house. Keep it frozen until you need to buy a big ticket item like a car, boat, house etc. then freeze your credit again. If you have credit cards call the credit card company and have them issues new cards. They will do this with no problem. Better to be safe then sorry. Use an app like Credit Karma, it’s free and it’s a great app to use to keep an eye on your credit score and you can dispute charges on the site as well. It’s very helpful tool to use.
Im a victim of identity theft and all of my money was stolen from me and my bank account and I had to freeze all of my identity and my bank account and those imposters and those scammers had ruined everything for me for no reason and now I'm being stalked and harassed by those imposters and those scammers and they won't stop harassing me
This should be something that’s blasted because this was a nightmare to go through.
Going through this right now & it’s so frustrating and has caused me to be in poverty! Legit fraudulent transactions I disputed with my bank denied! I am overwhelmed and can’t get myself stabilized due to all those fraudulent transactions not given back to me!!!!
stay strong
Same here our bank and every credit card. Did anyone had T-Mobile as a phone provider.? Think that might be an issue.
May GOD saves you!
My PC was hacked & locked all my info was hacked, 1. I sent a report to fraud FTC
Thanks, 21 years old, just got my credit to 770. Just found out my identity has been breached, I hope this doesn’t effect my credit lol
How did it go?
Update, Seth?
Contact the IRS. Yea. Right. Go ahead & try.
Is crazy this happened to us. Started with T-Mobile. Our number would be cancel and transfer to another account. Our credit cards and bank account were used and drain, we froze our credit and they were still able to call and un freeze it, the credit burials are a joke. No one helps. We are still dealing with these on a daily basis.
Do you get a lawyer? Or open cyber security for all your devices?
My mom lost all her identity (driver ID, social security card, green card). Recently she got bill from TWC saying they overpaid her $5000. But the thing was they ended her unemployment claim. So basically she lost everything and I couldn't find a way to help her at least get her driver ID replaced.
I got hacked and got a notification saying your data has been stolen. What does that mean and what do I do?
Someone had gipped me out of my SSN and I tried locking the accounts. I had contacted each CRA and I had done a majority of the things mentioned in the video. Help
Riding the bus I always drop my id, pretty sure some have used previous ID for bad purposes.
This has happened to me from my x husband and son. How do I get out of a college loan that I did not sign for.
hello.last year somebody close my self assessment tax . hi close my finncial year whit 7000 pounds. and that was my first year in UK . all my tax was a little over 2000 pounds ,and hi asked for 7000 ponds self assessment tax return. how can i prove it`s not me ?
I moved into a new apartment and my personal folder was mailed before me. My downstairs neighbor had my entire folder with all documents. Ss# etc for 3weeks! What do I? Everything is a wreck! My identity, my medical, my underage sons info has been used by entire family of neighbor. Help
First premier bank gave some guy a credit card in my husbands name. All he needed was a piece of stolen mail with my husbands name and address to get this credit card. That’s it. Nothing else.
@Keystone Financial Academy I have a question somebody said they know my adress and will leak it even if they leak it online will people come in my house? Is it a big problem?
My son identity have been robbed I mean
It's so shocking and very stressful my son future is blocked
If that would make it a harsher penalty this would stop. Make it a minimum of 10 years in prison.
How can start a bill to give criminal 10 yrs in prison?
Life in prison. It's someone's life and future they are destroying. And also make it that they don't get any job offers or anything society offers at all.
I agree. Not enough enforcement, and the penalties are insufficient!
Last year someone open credit card on my name. Last week Title max was checking my credit score. Which is breach alert. Plus someone sell something in KY on my social security number I received letter to pay the taxes. My name in Florida, California, Lynn Ma, now Even Cincinnati OH. I put a Fraud alert.
Update: Someone did answer to my email telling me to call them. Which I did, the agent she didn't say anything just ask number and put me on hold and that's it. How do you resolve the problem in this way?
What do I do to report it stolen
Wicked World
So I'm unable to sign up for a credit card. I always get rejected. There's no reason for that
It keeps happening
Question please , so my ant was born in USA but left to mexico when she was a kid. Another relative got a hold of her social and born certificate and that person came to USA as an adult and been living in the USA for 45 years now . We recently found out that that person is basically living a normal live, worked got married got driver lisence and basically been living in USA for many years now. My ant wants to go to USA but since the other person has been living there for more than 45 years with her identity what ever happends now. Has my ant lost her identity now or what can she do when the other person basically has a whole entire life now in USA
An Ant?
Seek a lawyer. That probably happens all the time
I've been trying to file an unemployment claim in Kentucky. Everytime I try to make in account it won't let me make one. The security question is not mine at all. What do I do or who do I call? It says my social is already active. Please help me
Same. How has things been so far? Did you fix things you are not alone sister
Go to your local Social Security Administration office in person. Take ID with you to prove who you are, and also a birth certificate and a utility bill with your name and address couldn’t hurt. Good luck
What do you do if police and hospital lie about your health and say your paranoid?
My academic and military records were stolen. Its not always money
What about when it comes from government institutions?
My military records were stolen
This happened to me my children and love ones how to stop this .Help
I know by law they never should have opened my mail but, too late now. Do I go to local or state police after freezing my accounts?
Freezing your credit is the number one action to take to protect it. You're right, opening someone else's mail is called Obstruction of Correspondence and is actually a felony if done with malicious intent. You may want to get the police and an attorney involved if you feel that is what happened.
I owe 11000$ to the IRS my identity was stolen I'm so scared please help!!!
What do somebody using my identity?
Hey , Can we know who is misusing our sim number? Or if we report to police , does police help to get yo know who is misused the sin number???
Waiting your reply….
Check out "How do you know your info was compromised" starting at 1:45 in the video.
Someone stole a lot from me and nobody did anything.
How do you freeze your credit?
Its in the video and in the description, but here it is again. Go online and freeze each one.
TransUnion: Call 888-909-8872 or go online:
transunion.com/credit-freeze
Equifax: Call 800-349-9960 or go online:
equifax.com/personal/credit-report-services
Experian: Call 888 397 3742 or go online:
experian.com/freeze/center.html
@@KeystoneFinancialAcademy
Do we need all there of these?
Im screwed. Have never had a loan or card in my name (im 30) also haven't filed my tax return in 3 years.. went to check my credit and id has been compromised. Idk what to do
Updates?
Report it and follow the steps on this video. If you get overwhelmed. Play the video. Pause after each step and don’t watch more until you complete one step at a time.
Bro im 18 and my mom stole my identity idk what to do someone help
Just found out my cousin opened a caple account in my information
I give this lady a pic of my ID.... so how do I get A next Id
Somebody stole my husband passport info and removed is picture with a fake picture
I experienced an account take over. Don’t access to anything. My accounts were used and left with debt. Could you advise? Lost access to even my life lock. Email address. What do you advise ?
You answered all
Where is the info on the 3 agencies? I found nothing in the description...
All the info is in the description, starting from about half way down. Just need to expand out the section.
Here it is again pasted in below...
TransUnion
Fraud Victim Assist. Dept.
P.O. Box 2000
Chester, PA 19022-2000
Equifax
P.O. Box 105069
Atlanta, GA 30348-5069
Experian
P.O. Box 9554
Allen, TX 75013
-TransUnion: Call 888-909-8872 or:
transunion.com/credit-freeze
-Equifax: Call 800-349-9960 or:
equifax.com/personal/credit-report-services
-Experian: Call 888 397 3742 or:
experian.com/freeze/center.html
I am a victim of SIM card swapping & geolocation spoofed!!!
Wot is this, please 🙏 can you please tell me more about it
Is it my landlord who is liable or my neighbor,?
I just found out someone created a Gmail account in my legal name. I don't know what to do. 😢
Fell for a phone scam and gave my ssn. What do you advise me to do ?
Freeze your credit. A freeze will stop all activity on your credit file, and since a credit check is always required, this will stop anyone trying to open a new account using your SSN. To freeze or unfreeze your credit call or go online with all three CRAs.
-TransUnion: Call 888-909-8872 or:
transunion.com/credit-freeze
-Equifax: Call 800-349-9960 or:
equifax.com/personal/credit-report-services
-Experian: Call 888 397 3742 or:
experian.com/freeze/center.html
Updates? Did you recover? This just happened to me too
@@jordin.5577 thank you for asking yes I locked all my credits
Hi what would happen if the scammer gets my Name,Address and Date of Birth and have a picture of my ID? Sorry for my bad English.
It's hard to say. Possibly not much without also having your Social Security Number, but I wouldn't take chances. The best advice is to contact all three of the credit bureaus (Experian, TransUnion, and Equifax) and freeze your credit files. That way the thieves can't open any account in your name. Keep the files frozen until you need a creditor to take a look. You can unfreeze for a period of time (a week), and then freeze again. It's really the best advice to protect your credit!
I need a number are email address to report it stolen
What if a person has my name, address and birthdate? Is that enough information to get identity theft?
Name and address alone isn't really enough to cause problems. Having a birthdate adds a bit to it, but still not enough. The thief would also need a key piece of info like your Social Security Number. That can potentially cause more problems for you - and this is why you should really guard your SSN. These days it is (thankfully) more difficult to open new accounts, with more pieces of identity verification needed, so if someone just has what you listed (and nothing else) then you're likely ok. The BEST way to protect yourself however is to FREEZE YOUR CREDIT. I describe how to do that extensively in the video and in the the description below it. If your credit is frozen, no one can do anything to it, and the CRAs go through great lengths before they unfreeze it by asking you questions only you would know.
@@KeystoneFinancialAcademy ok good thing, I don't ever carry my SS with me. My parents usually keep it safe. Which is a good thing. I was just scared about giving name birthday and address only
@@KeystoneFinancialAcademy I lost mine and I think someone I hang around with has it or has it down. I’m very anxious I need help. I don’t even wanna be here like cmon.😂
i sent a picture of my driver license front and back. can it cause any trouble. ? he is not from my country.
0:55
What about passport theft
I presume you mean when someone steals your actual physical passport? I don't specifically address this in my video, but it does happen of course. Stolen and forged passports can be used by criminals to enter/exit countries that don't have anything more sophisticated than an "eyeball check" at the border. The best action to take is to report the passport "lost or stolen" by calling the National Passport Information Center at 877-487-2778. You can also go online at travel.state.gov. You will need to file Form DS-64 and Form DS-11 to actually report the loss and apply for a new passport.
Thank you,yes my birthplace was in Turkey for my dad was in the military,it was old n still green not blue n I traveled to various countries,it had his military numbers and in his handwriting but they also had my birth certificate and social security card as well,and my information and childrens for the persons mother did my income taxes as well,two of my grandchildrens social security numbers as well…thank you I tryed to file a complaint on some website but never heard back from them,my father was supposed to left an inheritance for my children and I of which it’s been 2019 when he passed and I’ve heard nothing of it yet
My state of Massachusetts getting hit with unemployment fraud .
wow
Can someone do damage with the photo of my passport and degree certificate?
Unlikely. They would still be missing your Social Security Number...BUT, when in doubt, I always recommend freezing your credit! Then, even if your identity is stolen, the thieves can't do anything with the information.
Thanks. In our country, we don't have social security number and fraud can't do any harm with my passport number to my bank account or credit account. There is no connection between our passport number and bank account in our country. I am more worried about whether they can create new bank account or take loan using my passport number and academic documents in foreign countries. As far as I know, they will probably apply for the job with my name and my academic documents.
Identity theft never works! Why?
Just imagine if you are a man with a disability! Shall we say you don’t have knees because you have met an accident in the past so it will never work especially when you are stealing from someone whose body is perfectly fine!
Question how much damage can a criminal get with a phone number and name. I got a call and told them my name and then they hanged up. I don’t want to jump to conclusions but I want to make sure nothing escalates if I do end up becoming a victim( hopefully I don’t)
Just with a name and phone number, probably not much. Don't give away your birthday, mother's maiden name, and of course SS number! Those are much worse...
@@KeystoneFinancialAcademy Thanks for the response. Also thanks for Lessing my anxiety 😅
@@KeystoneFinancialAcademy what if someone have my phototcopy of my passport?
@@KeystoneFinancialAcademy May I ask the same question but with drivers license
@@sheeeeeeshh204 A passport alone isn't much for a criminal to work with, however there is such a thing as counterfeit or fake passports, where your identity is stolen not to get money but for illegal travel. en.wikipedia.org/wiki/Fake_passport
How do I freeze my credit?!?. And who do I call?.!?
Its in the video and in the description, but here it is again. Go online and freeze each one.
TransUnion: Call 888-909-8872 or go online:
transunion.com/credit-freeze
Equifax: Call 800-349-9960 or go online:
equifax.com/personal/credit-report-services
Experian: Call 888 397 3742 or go online:
experian.com/freeze/center.html
Onyx ward stealing my time and police not helping
😐💖😐
0:54