Your Identity Was Just Stolen — Here’s How to Reclaim It Fast
January 1, 2026
By Tiffani Renken
Retail Banking Manager
Finding out your identity has been stolen is stressful—but acting quickly can limit the damage. Follow these simple steps to take control:
1. Alert the Credit Bureaus
2. Check Your Credit Reports
Get free reports from all three credit bureaus at AnnualCreditReport.com. Look for:
- Accounts or inquiries you don’t recognize
- Collections or balances you didn’t authorize
- Wrong addresses or employers
Document everything, it will help you later.
3. File an FTC Identity Theft Report
Go to IdentityTheft.gov to file a report. You’ll get:
- A recovery plan tailored to your situation
- Prefilled letters for creditors and credit bureaus
This report is key for disputing fraudulent accounts.
4. Contact Collection Agencies
Send a written dispute to any collection agency claiming a fraudulent account. Include your FTC report and request written confirmation that the account will be removed.
5. File a Police Report
Filing a local report adds an extra layer of documentation. Include your FTC report and any collection notices. This can help when lenders or bureaus require proof of the fraud.
6. Dispute Fraudulent Accounts
Submit disputes to credit bureaus and collection agencies. Under law, they must investigate within 30 days. If the agency continues to pursue the debt, request verification and pause all collection efforts until confirmed.
7. Update Your Passwords
Change usernames and passwords for all financial accounts to prevent further unauthorized access.
Tip: Staying organized and acting fast is key. Keep records of every step, and don’t hesitate to ask for help if needed.
Recovering from identity theft is a marathon, not a sprint, but by following these seven crucial steps you are building a strong legal defense. Staying organized and acting fast is the key to minimizing long-term damage. Remember to document every phone call, letter, and dispute you file. You've taken action to secure your identity, and with persistence and these official resources, you will successfully navigate the recovery process.