Pretty sure someone has stolen my identity...

Here you go. Follow the Gov's advice. Good luck. http://www.usdoj.gov/criminal/fraud/websites/idtheft.html

 

What Should I Do If I've Become A Victim Of Identity Theft?

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 -- based in part on a checklist prepared by the California Public Interest Research Group (CalPIRG) and the Privacy Rights Clearinghouse -- of some actions that you should take right away:

Contact the Federal Trade Commission (FTC) to report the situation, whether Online,
By telephone toll-free at 1-877-ID THEFT (877-438-4338) or TDD at 202-326-2502, or
By mail to Consumer Response Center, FTC, 600 Pennsylvania Avenue, N.W., Washington, DC 20580.
Under the Identity Theft and Assumption Deterrence Act , the Federal Trade Commission is responsible for receiving and processing complaints from people who believe they may be victims of identity theft, providing informational materials to those people, and referring those complaints to appropriate entities, including the major credit reporting agencies and law enforcement agencies. For further information, please check the FTC's identity theft Web pages . You can also call your local office of the FBI or the U.S. Secret Service to report crimes relating to identity theft and fraud.
You may also need to contact other agencies for other types of identity theft:

Your local office of the Postal Inspection Service if you suspect that an identity thief has submitted a change-of-address form with the Post Office to redirect your mail, or has used the mail to commit frauds involving your identity;
The Social Security Administration if you suspect that your Social Security number is being fraudulently used (call 800-269-0271 to report the fraud);
The Internal Revenue Service if you suspect the improper use of identification information in connection with tax violations (call 1-800-829-0433 to report the violations).
Call the fraud units of the three principal credit reporting companies:

Equifax:

1. To report fraud, call (800) 525-6285 or write to P.O. Box 740250, Atlanta, GA 30374-0250.
2. To order a copy of your credit report ($8 in most states), write to P.O. Box 740241, Atlanta, GA 30374-0241, or call (800) 685-1111.
3. To dispute information in your report, call the phone number provided on your credit report.
4. To opt out of pre-approved offers of credit, call (888) 567-8688 or write to Equifax Options, P.O. Box 740123, Atlanta GA 30374-0123.

Experian (formerly TRW)

1. To report fraud, call (888) EXPERIAN or (888) 397-3742, fax to (800) 301-7196, or write to P.O. Box 1017, Allen, TX 75013.
2. To order a copy of your credit report ($8 in most states): P.O. Box 2104, Allen TX 75013, or call (888) EXPERIAN.
3. To dispute information in your report, call the phone number provided on your credit report.
4. To opt out of pre-approved offers of credit and marketing lists, call (800) 353-0809 or (888) 5OPTOUT or write to P.O. Box 919, Allen, TX 75013.

Trans Union

1. To report fraud, call (800) 680-7289 or write to P.O. Box 6790, Fullerton, CA 92634.
2. To order a copy of your credit report ($8 in most states), write to P.O. Box 390, Springfield, PA 19064 or call: (800) 888-4213.
3. To dispute information in your report, call the phone number provided on your credit report.
4. To opt out of pre-approved offers of credit and marketing lists, call (800) 680-7293 or (888) 5OPTOUT or write to P.O Box 97328, Jackson, MS 39238.
5. Contact all creditors with whom your name or identifying data have been fraudulently used. For example, you may need to contact your long-distance telephone company if your long-distance calling card has been stolen or you find fraudulent charges on your bill.

Contact all financial institutions where you have accounts that an identity thief has taken over or that have been created in your name but without your knowledge. You may need to cancel those accounts, place stop-payment orders on any outstanding checks that may not have cleared, and change your Automated Teller Machine (ATM) card, account, and Personal Identification Number (PIN).

Contact the major check verification companies (listed in the CalPIRG-Privacy Rights Clearinghouse checklist) if you have had checks stolen or bank accounts set up by an identity thief. In particular, if you know that a particular merchant has received a check stolen from you, contact the verification company that the merchant uses:

1. CheckRite -- (800) 766-2748
2. ChexSystems -- (800) 428-9623 (closed checking accounts)
3. CrossCheck -- (800) 552-1900
4. Equifax -- (800) 437-5120
4. National Processing Co. (NPC) -- (800) 526-5380
4. SCAN -- (800) 262-7771
4. TeleCheck -- (800) 710-9898

 

That sucks, I guess they won't mess with me since my credit is like 250 or something...

 

Supposedly the credit reporting agencies share this info with each other.
Call your bank and put passwords on all your accounts. No password, no transaction. Put it in writing.
Do the same for all your credit cards; passwords to change any account information.
There is a good chance they have your credit report. If so you are in for a bumpy ride. No out of pocket expense but hassles galore.
Nationwide sells identity theft insurance. They are kind of bumblers but better than nothing. Look elsewhere as well. Experian etc will try to sell you stuff as well. Always willing to profit off of your misfortune. Real heroes.

 

If its on a credit card it can easily be cancelled, my visa was compromised last week. I got a phone call for potential fraudulent use, some bastard kid has charged up $740 at the oxford university bookstore I told Visa it wasn't me and the transaction was flagged, they sent me a new card in 2 days and I owe visa nothing

 

Ha.. I was just thinking that. No one would want to steal mine. I am a total broken down.

 

Sorry to hear that man. But hasta la vista, dude. Good luck in ever cleaning any of that crap up. The system is NOT on your side, it's on the side of big companies who don't care much about you at all, they just want to make money off of your information, accurate or not. You're guilty as far as anyone else is concerned and this is going to **** with your ability to get credit for at least a decade if not longer.

Very sorry to hear this, but your credit is toast IMO.

RMX