She gave me a call this afternoon. "Dad, I did something really, really dumb. I got scammed."
Somebody contacted her purporting to be an official who wanted to discuss her student loans. My daughter, distracted, gave out personal information they should have already had. Including her Social Security Number.
After a short huddle, we decided that I would do a bit of internet research. She was in her car driving, so she opted to call her credit card holder/bank and inform them that she had been phished.
The bank put a 90 day hold on her credit...whatever that means. They advised her to inform the local law authorities.
I found a .gov website that advised the following:
- Place a fraud alert with the credit reporting companies.
- Get your free credit reports.
- Create an Identity Theft Report by filing a complaint with the Federal Trade Commission and your local police department.
What to Do Right Away
What to Do Next
Placing both extended fraud alerts and credit freezes on your credit reports can make it more difficult for an identity thief to open new accounts in your name.
Federal law limits your liability if your credit, ATM, or debit card is lost or stolen, but your liability may depend on how quickly you report the loss or theft.