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Credit Card/Financial Institution

Credit card number or financial institution account identity theft occurs when a fraudster has access to your credit account number or financial institution account information.

Immediately Contact Your Credit Card Company Or Financial Institution To Alert Them

  • Explain that you are a victim of ID theft
  • Request that your account be closed or frozen so that no new charges are incurred without your permission

Change Logins, Passwords, And Pins Associated With All Existing Accounts

  • Ensure login information used would not be easy for a fraudster to figure out
  • Do not use your mother’s maiden name, your birthdate, or the last four digits of your social security number for account login authentication

Request Your Free Annual Credit Report From All Three Credit Reporting Agencies Online Or By Calling 877-322-8228

Request A Fraud Alert On Your Credit Reports

  • Make it more difficult for a fraudster to obtain credit in your name
  • By contacting just one of the three credit reporting agencies (CRAs), the other two will be notified of your fraud alert request
  • Contact information for all three CRAs - you can contact the one of your choice:

File A Police Report

  • Take along: ID, proof of your address, and proof of theft
    •  You will be provided with a copy
    •  Police departments are required to take your report under MCL 762.10C and MCL 780.754A

Request A Security/Credit Freeze On Your Credit Report To Prevent Third Parties From Accessing Your Credit Reports Unless You Grant Authorization

Contact Your Financial Institution To Alert Them That You Were A Victim Of A Scam

Contact The Federal Trade Commission (FTC) To Report Identity Theft And To Obtain A Recovery Plan

Monitor Your Credit On An Ongoing Basis By Requesting Your Free Annual Credit Report From All Three Credit Reporting Agencies Online Or By Calling 877-322-8228 

 Review Your Logins That Are In Use For Online Accounts

  • Ensure login information used would not be easy for a fraudster to figure out 
  • Do not use your mother’s maiden name, your birthdate, or the last four digits of your social security number for account login authentication