RECOVER FROM IDENTITY THEFT

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In the event you are a victim of fraud or identity theft, here are eight steps to help you take control and get ahead of the fraudsters.

Eight Steps to Know

1. Contact banks and credit card issuers. Immediately contact your bank(s) and credit card issuer(s) to:
• Put holds on your account(s).
• Stop payments placed on missing checks.
• Get your Personal Identification Numbers (PINs) and Online Banking Passwords changed.
• Open new account(s) as appropriate.
2.  Include all accounts impacted. Be sure to indicate to the bank or issuer all the cards and/or accounts potentially impacted, including your ATM card(s), Check Cards and credit cards.
3.  Review with rigor. Review all recent transactions and electronic authorizations on your account linked to stolen cards, including checking, savings, money market, credit, home equity and other types of accounts.
4.  Look out for change requests. Ensure that no one has requested an address change, title change, PIN change or ordered new cards or checks to be sent to another address.
5. File a police report with your local police department and provide the facts and circumstances surrounding your loss. After filing, obtain a police report number with the date, time, department, location and officer's name taking the report or involved in the investigation.
6. File a report with the Federal Trade Commission.
7. Keep a record. Maintain a written chronology of what happened, what was lost and the steps you took to report the incident to the various agencies, banks and firms impacted. Be sure to record the date, time, contact telephone number, person you talked to, and any relevant report or reference number and instructions.
8. Stay Vigilant. Continue to do a thorough review and inventory of bank activity and/or items that may have been stolen from you. If you later discover additional fraud items or missing articles, be sure to contact the respective police agency, bank, credit card issuer or commercial establishment to update your initial report.

For more information, download Wachovia's free Customer Fraud Assistance Package .