What to do if your wallet is stolen

Your stomach sinks as you realize your purse is no longer in the shopping cart where you left it. Or your wallet has vanished from your back pocket. It’s gone. Someone’s sticky, sneaky fingers invaded your personal space and now you’re left to clean up the mess.

Your best bet is to act quickly. Here’s what you need to do as soon as you realize the contents of your life are gone.
• Retrace your steps a bit. Very often, the cash is taken and the rest is tossed aside.
• Call your local police and file a police report. You’ll need the report number for your bank, credit card companies, and credit bureaus.
• Report a lost or stolen card for each credit card you own. In most cases, you won’t be liable for charges made over an initial $50 after you report the theft.
• Contact your bank if your checkbook, debit card, or ATM card were taken. You’ll need to close your accounts and open new ones.
• If you pay your bills online, change your accounts to use your new credit cards or checking account so you don’t miss paying a bill.
• Register a fraud alert with the three major credit bureaus:
Equifax:(800)525-6285 or www.equifax.com
Experian:(888)397-3742 or www.experian.com
TransUnion:(800)680-7289 or www.transunion.com
• Notify the Department of Motor Vehicles if your driver’s license was taken.
• Change your locks if your keys were stolen.
• Order your credit report from each of the three credit reporting bureaus to review accuracy. You are entitled to one free report from each of the three bureaus every 12 months through www.annualcreditreport.com – the official site created under the auspices of the Federal Trade Commission.
• Watch subsequent credit card and bank statements for unauthorized charges.

© 2016 Articles on Demand™

Cathy Dryden

I am Cathy Dryden, and I started neat chic organizing to empower others to lead more fulfilling lives by helping them to become more organized through individualized coaching and training.

 

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