- Report it to your financial institution. Call the phone number on your account statement or on the back of your credit or debit card.
- Report the fraud to your local police immediately. Keep a copy of the police report, which will make it easier to prove your case to creditors and retailers.
- Contact the credit-reporting bureaus and ask them to flag your account with a fraud alert, which asks merchants not to grant new credit without your approval.
If your identity has been stolen, you can use an ID Theft affidavit to report the theft to most of the parties involved. All three credit bureaus and many major creditors have agreed to accept the affidavit. You can download the ID theft affidavit or request a copy by calling toll-free 1-877-ID-THEFT (438-4338). You can also use this website to file a complaint with the FTC.
Use this helpful infographic (PDF file) to help you remember the steps to take if your wallet or identity have been stolen.