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If you can feel or notice that you are victimized by credit card miscreants, you should follow some legal steps to restrict them.

First, you need to contact to the fraud departments of any one of the three major credit-reporting agencies and let them inform you are an identity theft victim. The agency is likely to notify the other two. A ‘fraud alert’ will automatically be generated in each of the three credit reports within 24 hours. This alert notifies the creditors not to issue new credit to you without gaining your permission.

Secondly, file a report with your local police or the police in the community where the identity theft takes place. Don’t forget to provide the required information and documentation. Be sure to ask for a copy of the police report and send it to all your creditors and the credit-reporting agencies.

In the third step, you can contact The Fair Credit Reporting Act, which lays down specific guidelines through which you can remove the illegal activity from your report. You can call them or write each credit bureau to identify the incorrect information. You can also attach a copy of the court’s ruling and the police report to support your position. Give your complete name and address and other great details about what you know to be wrong. If you have copies of the credit report as a fraud victim, provide them also. It is really very good idea to send all correspondence via certified mail and request a return receipt so that you know when the bureaus received your materials.

Credit reporting agencies normally take 30 days to investigate your claim. They in turn will forward all information about your claim to the providers of the inaccurate information, like a store. They will investigate as well to notify the credit bureau about their findings. If they find the information to be inaccurate, then they notify all the credit bureaus so that the misinformation can be corrected. The credit bureau should provide you with a written report outlining their findings.