Well, if your wallet does get stolen, it used to be folks worried about the money in it. Now the game is different, it’s about identify theft. So here’s the check list:
# Cancel your credit cards. In the US, every credit card issuer has a cancel number. Do it right away. But in any case, your liability is legally limited to $50. The hassle is that you have to prove you didn’t make the transactions. Also, sent a certified letter to each of your card issuers so you have proof you notified them.
# Call the police. They won’t do anything, but record the case number so you can prove that you did everything that you could when your wallet is lost or stolen.
# If you have a check or something like that, then you are in bigger trouble. Close the bank account as soon as you can.
# If your drivers license was there, then they can start to build an new “identity”:http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/defend.html and open up credit card accounts and so forth. So, you have to call “Equifax”:http://equifax.com, “Experian”:http://experian.com and “TransUnion”:http://transunion.com and setup a 90 day credit watch where they will see if this happens. Legally, if you notify one, they have to notify all three, but I would get on the site and notify them all.
# Get a new drivers license. In certain states, you can change your drivers license number
# File an FTC “online complaint”:https://rn.ftc.gov/pls/dod/widtpubl$.startup?Z_ORG_CODE=PU03 if you think the thieves have used your numbers. Again, this won’t do anything, but forms a record that you tried everything you could do.
# For $10 in Washington State, you can freeze your creidt report. This means that no one can access your credit history and thus not open things in your name.
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