What happens after I report an occurrence?

A Fraud-Defender personal recovery advocate will be assigned to your case and will contact you within one business day. Your recovery advocate will place fraud alerts on your credit file, and complete a threat assessment to determine if any identity theft has occurred.

If identity theft has occurred, your recovery advocate will:

• Assist you in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim.
• Activate credit monitoring during your recovery to help you watch for additional signs of abuse.
• Contact the Social Security Administration, U.S. Postal Service, Department of Motor Vehicles, etc., as applicable, to address any misuse of official documentation of your identity.
• Research and document all fraudulent transactions and false accounts or contracts signed with creditors, banks, credit unions, utility companies, leasing agents, medical facilities, etc.
• Follow up to make sure all wrongful activity is reversed and removed from your records.
• Work with local and federal law enforcement to try to stop the criminal(s) who is using your identity.
• Activate other members of the recovery team to assist when necessary, including professional investigators.
• Provide 12 months of follow-up after your recovery is complete.