Steps To Take If You Get Scammed Online?

0 0
Read Time:3 Minute, 55 Second

Online scams are extremely common in today’s world and unfortunately as the dependency on the internet has increased over the years, you being scammed online means that the scammer who was able to steal your information can wreak havoc in your life. Regardless of the extent to which you have been scammed, your first step must be to take steps to protect yourself as soon as possible.

How Do You Protect Yourself?

EzChargeback has helped us understand that this can be done by contacting your creditors and also the credit reporting agencies. Not just that but also making sure that you are filing a report with the Federal Trade Commission (FTC) and also involving your local police department in the matter for maximum assistance when it comes to resolving the scam. Here are a few things you can do:

Contact Your Banks and Credit Card Companies

If the scam involves your credit card information or login credentials of your financial accounts, you need to immediately contact your banks and credit card companies in order to cancel your cards and receive new ones which only you have access to. Another thing that you need to do is when you have reported the issue and in the process of resolving the matter, make sure you ask the representative about your recent transactions to know if you are the one who made them or someone else is making them on your behalf. This also helps you make the bank aware of the fact that those are fraudulent transactions and it is advised that you change your online passwords to prevent the scammers and criminals from gaining access to your account. 

Reach Out to The Credit Bureaus

Another thing that you can do is to reach out to credit bureaus such as these three national credit reporting agencies which are  Experian, TransUnion and Equifax. This will help  maintain and provide access to your credit reports. If you think someone has obtained any such  information which should only be known by you, especially in the case of your Social Security number, you need to make sure that you contact each of the credit bureaus to restrict access to your credit reports. 

Freeze Your Credit

Credit freezes which are also known as security freezes which are considered to be one of the best ways to prevent new accounts from being opened under your name. According to EZChargeback, along with this the whole process of freezing and unfreezing your funds is complete which is why it does not affect your credit score.

Request a Fraud Alert

There is another way you can go about it in case you do not wish to go through the hassle of this process with each credit bureau, all you need to do is to simply place a fraud alert on your credit reports.  EzChargeback helped us in gathering knowledge about the two kinds of fraud alerts which you can place on the credit report.  In case you would like to have an extended fraud alert, which lasts for seven years, all that you will need to do is to contact each credit bureau to submit your request. 

Submit a Complaint to The Federal Trade Commission

Before calling the police, file a theft report with the FTC. During this process, you’ll answer a few questions about what happened, and the FTC will create a personalized recovery plan to help you take the next steps. From there, you can create an account with the FTC, which can give you access to additional resources and help you track your progress. They will also provide an Identity Theft Affidavit, which you can use when filing a police report and later if you decide to request an Extended Fraud Alert.

File a Police Report

The procedure for submitting a police file can range depending upon where you live. Check together with your nearby police branch to check in if you could document a file on-line or in case you have to put up a paper file in person. When you are going through the report make sure that you answer all the questions to the best of your abilities to speed up the process. After you’ve filed the report, do not forget to request a copy especially if you plan on filing for an extended fraud alert on your credit reports.

These are just a few things that you should do if you think that you are being scammed online. Do not forget to learn more on how to stay safe of these frauds though especially since prevention is better than looking for a remedy. You can visit EZChargeback to get more information on this topic.

 

Happy
Happy
0 %
Sad
Sad
0 %
Excited
Excited
0 %
Sleepy
Sleepy
0 %
Angry
Angry
0 %
Surprise
Surprise
0 %

Average Rating

5 Star
0%
4 Star
0%
3 Star
0%
2 Star
0%
1 Star
0%

Leave a Reply

Your email address will not be published.