If you think you've become a victim of identity theft or fraud, act immediately to minimize the damage to your personal funds and financial accounts, as well as your reputation. Here's a list of some actions you should take right away:

1. Call the fraud units of the three major credit bureaus and request a "fraud alert" be placed on your credit file. Order copies of your credit report from the credit bureaus to check whether any fraudulent accounts were opened without your knowledge or consent. Check your monthly financial statements for accuracy.
   
   
   • Equifax - (800) 525-6285
   • Experian - (888) 397-3742
   • Trans Union - (800) 680-7289
   
   
2. If the crime involved the U.S. Mail, contact your nearest U.S. Postal Inspection Service office and report it.
3. Contact your financial institutions and creditors, by phone and in writing, and report the crime. You may be advised to close some or all of your accounts. At the very least, alter your Personal Identification Number (PIN) and passwords immediately.
4. Record the names and phone numbers of people with whom you discussed your case and retain all original reports and supporting documents. Keeping accurate and complete records are a big step toward helping you resolve your problem.
5. Contact your financial institutions and request they flag your accounts. Instruct them to contact you immediately if there is unusual activity on your accounts.
6. File your concern online with the Federal Trade Commission (FTC). The FTC has counselors to assist identity theft victims with resolving financial and other problems that can result from this crime.