Before getting into the firearms industry I worked for a large bank in the Identity Theft Unit. I would like to offer some advice. I hope your bank has made many if not all these suggestions to you already.
Keep in mind these steps will not garuntee you are fraud free. There is no silver bullet. The goal is to make it such a pain for the criminal to commit fraud against you that they move on. Groups like lifelock and other companies offer valuable services to victims and should also be looked into.
Step 1. Contact any of the three credit agencies to get a 90 day alert. This will ensure that if anyone applies for anything in your name you will be contacted. It is a free service and there are two other types of alerts. An extended alert lasts for 7 years and a police report must be mailed to all three groups. A freeze disables credit qualification to your ssn until you contact them and remove it.
Equifax 800-685-1111 / Experian 888-397-3742 / TransUnionCorp 800-680-7289
if these numbers do not direct you to the correct area do a search for credit agency fraud numbers.
Step 2. Contact Chexsystems at 888.478.6536 or go to there site at: https://www.consumerdebit.com/consumerinfo/us/en/chexsystems/theftaffidavit/index.htm
. Place a five year alert with them. This will ensure if someone opens a bank account in your name (which will NOT show up on your credit report) you will be contacted.
Step 3. Password all your accounts. Credit card, loan, retirement, cds, checking/savings, even your phone company. Call them all and ask that they place a verbal password on your account. If your password is "peanut" they will ask you for it every time you call. If you do not repond "peanut" they cannot assit you, period. The phone company is very important. The criminal can call your phone co. stating they are moving, travelling, whatever. They can have calls forwarded to there cell, then when the alerts kick in they validate the new accounts and you never know it happened.
Step 4. Contact Opt out and ask them to disable pre-approved marketing. This will get rid of those "you have been pre-approved" offers you get in the mail. It will also ensure the criminal does not recieve these through your mailbox or the fraud address being used.
Step 5. File an ID Theft Complaint with the FTC. You can do this by calling them at 877-438-4338 or there website: Federal Trade Commission
Step 6. Pull your credit report and review it from all three agencies. You can do this for free once a year at www.annualcreditreport.com
. Make sure you print each one as you view it as it will only allow you to view them ONCE a year.
Step 7. Contact any companies that have applications or inquiries on your reports that you did not authorize. You will be asking them to file a fraud claim on the account. They will send you an affidavit and make sure the debt does not report to you while being investigated.
Helpful website: Deter. Detect. Defend. Avoid ID Theft
FTC 24 hour free id theft support: 877-438-4338
These steps have been written by my hand from memory and are subject to any errors and typos I have made. All of these steps can be found or verified with web searches and on the FTC's website. These are all free services in place for victims of ID Theft. These criminals are professionals and do not like taking adverse risks when they can help it. Set up these safegaurds and it should help. I hope this information is helpful.