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You have limited liability for fraudulent debts caused by identity theft. Under most state laws, you're not responsible for any debt incurred on fraudulent new accounts opened in your name without your permission. Under federal law, the amount you have to pay for unauthorized use of your credit card is limited to $50.

Report Identity Theft. Report identity (ID) theft to the Federal Trade Commission (FTC) online at IdentityTheft.gov or by phone at 1-877-438-4338.

If your information was accessed in a data breach, you may be offered complimentary credit monitoring. These services watch credit reports for suspicious activity and send alerts whenever a new account is opened. If you aren't offered free credit monitoring, you can sign up for a reputable service yourself.

Children 13 and older can check their credit the same way adults do. By visiting AnnualCreditReport.com the only website federally authorized to provide credit reports from Experian, Equifax and TransUnion for free your child can enter his or her personal information to receive a copy of each report.

Option 1: Online. You can upload the documentation verifying your identity online along with your request to have the alert removed. Option 2: Mail. You can mail your request to Experian along with copies of documentation verifying your identity.

You can call the Federal Trade Commission (FTC) at 1-877-438-4338 or TDD at 1-866-653-4261, or online at http://www.consumer.ftc.gov/features/feature-0014-identity-theft to report identity theft.

Check all your financial accounts for errors or suspicious activity. Enroll in a credit monitoring service. Place a fraud alert on your credit reports. Consider freezing your credit. Alert the authorities. Always use strong passwords and be aware of information you give out. Bottom line.

Contact one of the credit reporting agencies' fraud alert departments and place a fraud alert on your credit report. Tell the agency you think your identity has been stolen. One call does it all. Call 1-800-525-6285. Visit www.equifax.com. Call 1-888-397-3742.

Letter to Creditors Notifying Them of Identity Theft of Minor

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Are you responsible for debt from identity theft?

How do I report identity theft to the credit bureaus?

How do I contact the credit bureaus for identity theft?

What options do credit bureaus offer if you suspect your identity has been stolen?

How do I get a credit report for a minor child?

How do I remove identity theft from my credit report?

How do I file a claim for identity theft?

How do I monitor my credit report for identity theft?

What do I do if I think my identity has been stolen?

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