If you’re ever a victim of identity theft or fraud, first thing’s first: don’t waste any time. Switch into alert mode and take every measure to minimize the risks and damages.
If you have reason to believe that the security of your cards or your PIN has been compromised, call 1-877-522-3863 without delay.
Identity theft occurs when a crook gets one or more pieces of your personal information – name, credit card number, social insurance number, birth certificate, password and more. Once they have their hands on that, they can start living large. How? By using your valuable information to re-route your mail to another address, get a credit card in your name, access your financial accounts, open a cell phone account, rent and buy things … the works! All while passing themselves off as you – unknown to you, of course – until you clue in.
Want to know if there are ways of finding out if you’ve been the victim of identity theft? Yes, there are. Below are the three most frequent types of fraud. If one of the following events happens to you, act and act fast!
- You stop receiving your credit card bills, or any mail at all.
- You receive bills for credit cards that you never applied for, accounts that are not in your name or for purchases that you never made.
- You get a call telling you that your credit application was assessed when you never requested one.
If you believe that you’re the victim of identity theft, here are the steps to follow:
- Notify the police as soon as you find out.
- Inform Equifax Canada, TransUnion Canada, the financial institutions (for the Laurentian Bank, dial 1-877-522-3863) and all the companies with which you do business or where you have an account or debts, and then send them a copy of the police report as soon as you get it.
- Cancel all your credit and debit cards, as well as all your accounts, passwords, PINs and other security codes relating to the theft, and replace them with new ones.
- Be even more vigilant afterward in order to identify future attempts.