Identity theft happens and here are\u00a0immediate steps you can take when you\u2019re a victim of Identity\u00a0theft.\r\n\r\n \tPlace an initial fraud alert in all your credit reports. Contact the\u00a0credit bureaus directly.\r\n \tOrder your credit reports. Since you\u2019ve placed a fraud alert on your credit report. You are entitled to free copies of all 3 of your credit reports.\r\n \tReview your credit report and ensure the accuracy of all information. If you discover inaccurate or possible fraudulent activity, contact the lender or organization directly. Reach out to their fraud department.\r\n \tCreate an identity theft report. You can go to the FTC website to submit your report and make copies to provide to creditors, credit bureaus of police.\r\n\r\nWhat to do when identity (ID) theft happens\r\n\r\n \tSubmit a report\u00a0about the theft to the FTC. When you finish writing all the details, print a copy of the report. It will be called an Identity Theft Affidavit.\r\n \tBring your FTC Identity Theft Affidavit when you file a police report.\r\n \tFile a police report about the identity theft, and get a copy of the police report or the report number. Your FTC Identity Theft Affidavit and your police report make an Identity Theft Report.\r\n\r\nExtend Fraud Alerts\r\n\r\nIf you\u2019ve created an Identity Theft Report, you can get an extended fraud alert on your credit file. When you place an extended alert, you can get 2 free credit reports within 12 months from each of the 3 nationwide credit reporting companies, and the credit reporting companies must take your name off marketing lists for prescreened credit offers for 5 years unless you ask them to put your name back on the list. The extended alert lasts for 7 years.