CUNA 2023 diamond award trophy icon

CUNA 2023 Diamond Award Winner

Financial Education

Victim of Identity Theft?

Here’s a checklist to help you reclaim your identity.

Illustration of personal identification icons and hands trying to steal items; identity theft concept.
info dialog icon Worried you may be the victim of identity theft? Our partners can help!

Identity theft is the crime of obtaining another person’s personal or financial information with the intention of assuming that person’s identity to make purchases or borrow money. As a victim of identity theft, you may feel overwhelmed knowing someone has access to your private information. However, remember that recovering from identity theft is possible. By breaking the process down into steps and using the right resources, you’ll protect yourself and move towards life after identity theft.

Use the checklist below to help you reclaim your identity.

Step 1: Call companies where fraud occurred.

  • Inform them of the fraud
  • Close account (if necessary)
  • Change logins, passwords and PINS

Step 2: Obtain credit report and set fraud alerts.

  • Visit to obtain a credit report from 3 major credit reporting bureaus
  • Review each report carefully
  • Set fraud alerts with each credit reporting bureau

Step 3: Report ID theft to Federal Trade Commission (FTC).

  • Visit or call (877) 438-4338 to complete an Identity Theft Report
  • Follow the established recovery plan

Step 4: File a police report.

  • Contact local law enforcement to inform of them of identity theft
  • Provide a copy of your FTC Identity Theft Report

Step 5: Correct credit report information.

  • Submit disputes to each credit reporting bureau that contains fraudulent account information
    • Can be completed online at the credit bureau’s website or by mailing a dispute letter

Step 6: Consider an extended fraud alert or freeze.

  • Extended fraud alerts last for seven years
  • Credit freezes last until you remove them

Step 7: Contact Social Security Administration.

  • Create a My Social Security account at
  • Review the earnings posted to your record
  • Contact Social Security if you see inconsistencies

Step 8: Contact the Internal Revenue Service (IRS) (if applicable).

Remember, don’t wait to respond if you have been the victim of identity theft. Not only will you limit your liability for the fraudulent transactions, but you may also be able to stop the fraud from making a mess of your life. Feeling uncertain about what to do first is common, but by springing into action and following these eight steps, you’ll be on the road to rebuilding your finances.


Source: Balance Financial Fitness

Your Identity is Yours. Let's Keep It That Way. Identity theft can happen to anyone. Our trusted partners at BALANCE have the tools you need to ensure your personal information doesn't fall into the wrong hands.

Comments Section

Please note: Comments are not monitored for member servicing inquiries and will not be published. If you have a question or comment about a Quorum product or account, please visit to submit a query with our Member Service Team. Thank you.

Notify of
Inline Feedbacks
View all comments
CUNA 2023 diamond award trophy icon

CUNA 2023 Diamond Award Winner

Financial Education

Quorum derives no benefit from businesses in return for placement in this blog.

Would love your thoughts, please comment.x