When you return to your home to find that it had been burglarized, you likely face not only a major emotional burden, knowing that your privacy has been compromised, but also the lingering fear that you may be too late to implement proper identity theft prevention practices to protect your finances.
Here are a few steps you should take when you have become the victim of a burglar to make sure that your identity and credit score suffer as little damage as possible:
- Monitor your credit by requesting and reviewing any statements from the time you left your house to the moment you returned to find it burglarized.
- Instantly call a credit bureau and place a 90-day fraud alert on your card so that any requests made for new lines of credit will be highly scrutinized and flagged, giving you the upper hand in identity theft prevention. When you contact any of the three credit monitoring entities – TransUnion, Experian and Equifax – they will inform the other bureaus to keep an eye out as well.
- Make sure to inform all of your account holders too that you want a freeze put in place until you can verify that you are protected. After you monitor your credit activity, should you find that there appears to be fraud taking place in your name, immediately file a police report
It may be too late for identity theft prevention once you have discovered the burglary, but you’ll be in a good place to combat the fraud if you follow these key steps.