Assume the thief is going to try and use your credit card if they’ve stolen it. A stolen credit card means you have to contact the creditor right away. The standard advice is close that account number and get a new card sent to you.But doing only this may not be enough. Why? Because the ID thief might try to tap into or change your account info.You can place a fraud alert on all accounts with that credit institution. If you have usernames and passwords for these accounts then update them. (Avoid using common usernames and passwords that include things such as your social security number, mother’s maiden name, child’s name or other family member’s name.In general, setting up a password for your bank and financial accounts is always a very good idea. It’s often possible to formally request that a password be required in for any action to take place with your accounts — such as a withdrawals, name/address changes, billing information disclosures, etc.Request that the institution call you whenever anyone tries to apply for credit in your name. This credit alert might say something like, “Please contact me immediately […]

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