- A creditor informs you that an application for credit was received with your name and address which you did not apply for.
- Telephone calls or letters state that you have been approved or denied by a creditor that you never applied to.
- You receive credit card statements or other bills in your name, which you did not apply for.
- You no longer receive credit card statements or you notice that not all of your mail is delivered.
- A collection agency informs you they are collecting for a defaulted account established with your identity and you never opened the account.
If you suspect that your personal information has been hijacked or misappropriated to commit fraud or theft, take action immediately and keep a record of your conversations and correspondence. These following basic actions are appropriate in almost every case.