Gaining back your identity
Having your identity stolen can be one of the most frightening things that anybody can go through. In the US
today, credit is quite literally the one thing that allows us to function as American citizens. We need to borrow
credit for things such as mortgages, school fees, transportation, and all of those things that are essential to our
everyday living and functioning in this modern society.
If you have indeed fallen victim to identity theft, although this may be a highly stressful time for you as the
victim, gaining about your identity back is attainable through the use of appropriate steps and measures.
Firstly, the one thing that is reassuring for US citizens is the fact that any suspicious activity on your
account must be investigated by the credit bureaus under the act of law in America. When you file a particular
dispute or a specific date in which you have clearly had your identity stolen, you are now at the point in which
this particular case must be proven. Another reassuring factor is that it is actually not your job to prove any
particular case, and in fact the job of the bureau in question. They must clarify your information within a 30 day
period and if within this time frame, they cannot prove otherwise, the law works in your favor and this record will
be removed from your credit history. This is the point in which your identity is slowly being returned to you, and
your credit status will start to heal.
Although it can indeed be a long process, gaining back your identity is essential for your credit stability and
your eligibility for any future applications you may wish to make with creditors. No matter how small the theft,
you must never overlook this. A small theft can lead to a drop in your credit score, and unfortunately for us, a
bad mark will stay with your credit history a lot longer than if you have consistently been diligent with past
payments on your credit.
The easiest way in which US citizens fall victim to identity theft is through things such as credit card
receipts, gas station receipts and any other body that may hold your personal information and circulate this in a
public environment. Be particularly careful with sensitive information that may hold your name, address and any of
your personal details, as we all know that prevention is better than cure, and this certainly holds true when
attempting to gain your identity back.