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For more on what to do if you become the victim free credit score free credit report Bakersfield of criminal identity theft, see PRC Fact Sheet 17g, www.privacyrights.org/fs/fs17g-CrimIdTheft.htm 21. Legal help. You may want to consult an attorney to determine legal action to take against creditors, credit bureaus, and/or free credit score free credit report Bakersfield debt collectors if they are not cooperative in free credit score free credit report Bakersfield removing fraudulent entries from your credit report or if negligence is a factor. Call the local Bar Association (www.abanet.org/premartindale.html), a Legal Aid office in your area (for free credit score free credit report Bakersfield low-income households), or the National Association of Consumer Advocates (www.naca.net) to find an attorney who specializes in consumer law, the Fair Credit Reporting Act, and the Fair Credit Billing Act. If you are a senior citizen or take care of a dependent adult, be sure to contact an elder free credit score free credit report Bakersfield law service or the nearest Aging and Independent Services program. annual credit report free Many district attorneys have an elder abuse unit with expertise in financial crimes against seniors.

Keep free credit score free credit report Bakersfield good records. In dealing with the authorities and financial companies, keep a log of all conversations, including dates, names, and phone free credit score free credit report Bakersfield numbers. Note the time you spent and any expenses incurred in case you are able to seek restitution in a later judgment or conviction against the thief. You may be able to obtain tax deductio ns for theft-related free credit score free credit report Bakersfield expenses (26 U.S.C. Send correspondence using certified mail with return receipt free credit score free credit report Bakersfield requested. credit check online Visit these web sites for tips on organizing your case: 23. Dealing with emotional stress. Psychological counseling may help free credit score free credit report Bakersfield you deal with the stress and anxiety commonly experienced by victims. Contact the Identity Theft Resource Center for information on how to network with other victims and deal with the impact of this crime. Making change. Write to your state and federal legislators. Demand stronger privacy protection and prevention efforts by creditors and credit bureaus.

Don't give in. Do not pay any bill or portion of a bill that is a result of fraud. Do not cover any checks that were written or cashed fraudulently. Your credit rating should not be free credit score free credit report Bakersfield permanently affected. If any merchant, free credit score free credit report Bakersfield financial company or collection agency suggests otherwise, restate your willingness to cooperate, but don't allow yourself to be coerced into paying fraudulent bills. free credit report identity theft Report such attempts to government regulators free credit score free credit report Bakersfield immediately. If you are in the military, place an active duty alert on your credit reportWhen you are away from your usual duty station, you can place an active duty alert on your three credit reports as an extra protection against identity theft.