By Carol A. Kando-Pineda, this post is a follow-up to Carol’s recent blog, “Deployed? Get an “Active Duty Alert”

The rigors of military life can compound the problems that identity theft creates. If you suspect your identity’s been stolen, take control.

1. Place a “Fraud Alert” on your credit reports, and read your reports carefully. The alert tells creditors to follow certain procedures before they open new ac­counts in your name or make changes to your existing accounts. The three nationwide consumer reporting companies have toll-free numbers for you to place an initial fraud alert; a call to one company is sufficient:

  • Experian — 1-888-EXPERIAN (397-3742)
  • TransUnion — 1-800-680-7289
  • Equifax — 1-800-525-6285

Placing a fraud alert entitles you to free copies of your credit reports. Look for inquiries from companies you haven’t contacted, accounts you didn’t open and debts on your accounts that you can’t explain.

2. Contact the security or fraud departments of each company where an account was opened or charged without your okay.

  • Follow up in writing, with copies of supporting docu­ments.
  • Use the ID Theft Affidavit at ftc.gov/idtheft to support your written statement.
  • Ask for verification that the disputed account has been dealt with and the fraudulent debts discharged.
  • Keep copies of documents and records of your con­versations about the theft.

3. File a police report. File a report with military law enforcement and the local police (if you are in the United States). These reports will help you deal with creditors who may want proof of the crime.

4. Explain the situation to your commanding officer. There’s no reason your C.O. should be taken by surprise if a creditor gets in touch, wanting to collect on charges an identity thief racked up. You also may want a referral to a legal assistance office.

5. Report the theft to the Federal Trade Commission. Your report helps law enforcement officials across the country and around the world in their investigations.

  • Online: ftc.gov/idtheft
  • By phone: 1-877-ID-THEFT (438-4338) or TTY, 1-866-653-4261

It can help prove the crime took place. Visit ftc.gov/idtheft