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1.
An action in which you restrict access to your credit report is called _______.
A credit freeze. A freeze lets you restrict access to your report, except when you lift it.
2.
If you are a victim of investment fraud by an identity thief, you should report it not only to regulators in your state, but also the _______.
Securities and Exchange Commission. The Securities and Exchange Commission takes fraud complaints.
3.
What is the best way to notify a debt collector that you are a victim of identity theft and not responsible for the unpaid bill?
Inform the debt collector by phone and in writing that you are the victim of identity theft, and send the collector copies of documents demonstrating you are a victim, such as a police report. Normally, this information will cause the debt collector to stop collection efforts.
4.
If a credit bureau issues an alert that you may be, or have been, the victim of identity theft, what is a creditor's responsibility?
A creditor must take extra steps to verify the identity of anyone making a transaction on your account(s). In the case of an extended alert, you may request that the creditor call you before any transactions are allowed.
5.
What is an identity theft affidavit?
It is a form provided by the Federal Trade Commission that creditors may accept when you claim you are not responsible for new transactions. The information you provide will help creditors investigate your claim.