ANNUAL CREDIT REPORT: http://www.annualcreditreport.com or 1-877-322-8228
MANY WEB SITES ARE FALSE FOR GETTING ANNUAL CREDIT REPORTS, THEY USE VARATIONS ON THE WORDING. ONLY USE THE ONE LISTED ABOVE. YOU CAN GET A CREDIT REPORT EVERY 12 MONTHS NOTJUST EVERY CALENDAR YEAR. YOUR CREDIT REPORT IS FREE, YOU CAN BUY YOUR CREDIT SCORES.
SPOOFSTICK http://www.spoofstick.com CHECKS OUT URLS FOR ACCURACY

1. GUARD PERSONAL INFORMATION. HAVE ONLY MINIMUM INFORMATION PREPRINTED ON CHECKS.
2. DESTROY ALL PERSONAL PAPERS, SHREDDING ANY WITH SENSITIVE INFORMATION BEFORE PUTTING IN TRASH.
3. REDUCE THE SHARING OF YOUR FINANCIAL DATA BY “OPTING OUT” OF ALL PROGRAMS THAT PERMIT YOUR BANK OR OTHER FINANCIAL INSTITUTIONS TO SHARE YOUR DATA WITH OTHER FIRMS. CALL 1-888-567-8688 TO OPT OUT.

IF YOU FIND SOMEONE HAS USED YOUR SOCIAL SECURITY NUMBER, CREDIT CARD OR BANK ACCOUNTS DO THE FOLLOWING TO RESTORE YOUR FINANCIAL HEALTH.
CALL THE ONE OF CREDIT-REPORTING AGENCIES LISTED ABOVE (ANY ONE WILL CONTACT THE OTHER TWO) HAVE THEM PUT A FRAUD ALERT ON YOUR FILE AND ASK FOR YOUR LATEST CREDIT REPORT . EXAMINE EACH THOROUGHLY. GOOD FOR 90 DAYS, YOU CAN DO AN EXTENDED FRAUD ALERT, GOOD FOR 7 YEARS.

FILE A POLICE REPORT IMMEDIATELY AND KEEP A COPY TO SHOW CREDITORS WHERE FRAUDULENT ACCOUNTS HAVE BEEN OPENED. IF YOU CAN’T GET A COPY OF POLICE REPORT AT LEAST GET THE NUMBER OF REPORT.

FILE A SEPARATE COMPLAINT WITH THE FTC (FEDERAL TRADE COMMISSION). ONLINE AT FTC WEBSITE http://www.consumer.gov/idtheft CLICK ON “FILE A COMPLAINT’ AT THE TOP OF PAGE. FROM THIS SITE YOU CAN GET ID THEFT TIPS, INSTRUCTIONS, AND FORMS THAT HELP RECOVER FROM ID THEFT.
THE FORM IS ON AN SSL (SECURE SOCKETS LAYER) ENCRYPED SITE, SO YOUR INFORAMTION WON’T BE COMPROMISED.

SEND A REGISTERED LETTER TO ALL CREDITORS WHERE FRAUDULENT ACCOUNTS HAVE BEEN OPENED, INCLUDE THE POLICE REPORT AND AN AFFIDAVIT FORM FROM THE FTC (http://www.consumer.gov/idtheft LINK TO FORM CAN BE FOUND IN PARA. #2) NOTIFYING THEM OF THE ID THEFT. ASK FOR A LETTER OF RELEASE TO CLEAN UP THE ACCOUNT AND ACKNOWLEDGE THAT IT IS FRAUDULENT.

ID THEFT VICTIMS GUIDE http://www.privacyrights.org/fs/fs17a.htm
INSURANCE FOR ID THEFT: http://www.identitytheft911.com/home.htm

IF YOU HAVE YOUR DEBIT CARD OR PIN STOLEN AND WITHDRAWALS OR TRANSFERS OF MONEY APPEAR FROM YOUR ACCOUNT, NOTIFY YOUR BANK WITHIN 2 BUSINESS DAYS OF THE LOSS (OR UNAUTHORIZED USE OF EITHER) THEN YOUR LIABILITY IS $50. IF, MORE THAN 2 DAYS SINCE LOSS OR THEFT BUT YOU NOTIFY THE BANK WITHIN 60 DAYS YOU ARE ONLY LIABLE FOR $500. YOU ARE, HOWEVER, RESPONSIBLE FOR ANY CHARGES. GET A NAME AND TIME OF YOUR CALL TO YOUR BANK. YOUR BANK MUST LOOK INTO YOUR CHARGES WITHIN 10 DAYS, IF NOT THEY HAVE TO ISSUE PROVISIONAL CREDIT TO YOUR ACCOUNT TO COVER THE DISPUTED AMOUNT, LESS THE $50 LIABILITY YOUR LIABLE FOR.

YOU HAVE A RIGHT TO THE COPIES OF BAD CHECKS WRITTEN AND/OR FORGED CREDIT CARD APPLICATIONS THAT ARE IN YOUR FILE AT THE CREDIT REPORTING AGENCIES. YOU HAVE TO HAVE A PICTURE ID, PROVIDE A POLICE REPORT AND ID THEFT AFFIDAVIT TO DO THIS. GET AN AFFIDAVIT FORM FROM THE FTC (http://www.consumer.gov/idtheft) A LINK TO THE FORM CAN BE FOUND IN PARA. #2)

OTHER NUMBERS TO CALL AND WEB SITES TO VISIT:

AARP 1-888-687-2277 http://www.aarp.org TYPE id theft IN SEARCH BOX
AARP BOOKLET, “WHAT’S IN IT FOR YOU” CALL 1-877-438-4338
ADULT PROTECTION 1-866-363-4276 http://www.aasa.dshs.wa.gov/pubinfo/APS/
SOCIAL SECURITY ADMINISTRATION 1-800-269-0271 http://www.ssa.gov/pubs/idtheft.htm
FEDERAL TRADE COMMISSION 1-877-438-4338 http://www.ftc.gov/privacy
IDENTITY THEFT RESOURCE CENTER 1-858-693-7935 http://www.idtheftcenter.org
ON GUARD ONLINE BY FEDERAL GOVERNMENT: CLICK ON TOPICS
http://onguardonline.gov/index.html (NO WWW.)
PRIVACY RIGHTS CLEARING HOUSE 1-619-298-3396 http://www.privacyrights.org
ONLINE FRAUD DATA BASE MAINTAINED BY THE FEDERAL TRADE COMMISSION:
www.consumer.gov/sentinel/ OR www.consumer.gov/sentinel/idchart.htm
U.S. DEPT OF JUSTICE: http://www.usdoj.gov/criminal/fraud/idtheft.html
FBI’S INTERNET FRAUD COMPLAINT CENTER: http://www.ifccfbi.gov
REPAIR CREDIT REPORT: http://www.myvesta.org/pubs/topics/identitytheft.htm
WA ATTORNEY GENERAL: http://www.atg.wa.gov/consumer/idprivacy/IDTheftWhatToDo.shtml
ID THEFT PREVENTION AND SURVIVAL SITE www.identitytheft.org
NATIONAL ASSN. OF CONSUMER ADVOCATES http://www.naca.net/resource.htm
U.S. PASSPORT SVCS. http://www.travel.state.gov/passport/lost/lost_849.html
HOW SAVVY ARE YOU? http://www.consumer.gov/ncpw/ TO TAKE TESTS!
FOR A COPY OF FTC’S BOOKLET-“TAKE CHARGE: FIGHTING BACK AGAINST IDENTITY THEFT”: http://www.ftc.gov/bcp/conline/pubs/credit/idtheft.htm
CHECK FRAUD – CALL ONE OF THESE AGENCIES:
CHEXSYSTEMS 1-800-428-9623 CROSS CHECK 1-707-586-0551
SCAN 1-800-262-7771 FORGED CHECK DATA BASE
TELECHECK REPORT CHECK FRAUD 1-800-710-9898
GET FORGERY FORM AT:
http://www.telecheck.com/wwwtelecheck/CDA/CDAtemplates/twsCDAAcrobat/0,1928,167,00.html