By James R. Munkres

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About five business days after the call, you receive a letter asking whether the name and address is correct on the form. If the name and address is correct, sign and date the form and send it to the opt-out department. If your name and address are incorrect, simply make corrections on the form where indicated, sign and date it, and return it. The letter doesn’t come with a stamped, self-addressed envelope for returning the confirmation. You need to supply the envelope and the stamp. To opt out from your own financial institutions and your own credit card company, you need to contact them separately; contacting the three major credit bureaus won’t do the trick.

Ultimately, I did get the report without knowing the monetary loss and immediately filed fraud alerts on my credit report. When you file a fraud alert, you need a police report number. Luckily, nothing ever happened from the stolen mail incident with my credit or identity. I was lucky, and none of my bills were late, so either the thieves paid my bills (ha) or only “junk” mail was in the box. So the moral to the story is never, ever, ever, leave your mail overnight in the mailbox even it is locked.

4. File a complaint with the FTC. Chapter 2 gives more details about this process for reporting and thwarting identity theft. In Chapter 13, I explain further the process of filling out the required reports. Chapter 14 has helpful information for speeding up the process of closing accounts. Chapter 1: Who’s Stealing What . . and What You Can Do about It As you begin the process of reclaiming your identity, the paperwork will start to roll in and out of your life. Keeping a good paper trail will help you assemble and support your case.

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