My wallet was stolen and my social security card was taken. What do I do?

This is a very serious situation because of the risk of identity theft, so you need to act quickly. Here are the immediate and essential steps you should take:

1. Report the Social Security Card Theft
   Report to the Federal Trade Commission (FTC): The FTC will help you create an Identity Theft Report and a personal recovery plan.

Website: IdentityTheft.gov

Phone: 1-877-IDTHEFT (1-877-438-4338)

2. Contact Credit Reporting Agencies
   Place a Fraud Alert or Credit Freeze: This is crucial to prevent someone from opening new accounts in your name.

You only need to contact one of the three major credit bureaus to place an initial one-year Fraud Alert; they are legally required to notify the other two.

A Credit Freeze offers stronger protection by restricting access to your credit report, making it difficult for new credit to be opened. You must contact all three agencies separately to place a freeze.

Contact Information:

Equifax: 1-888-298-0045

Experian: 1-888-397-3742

TransUnion: 1-800-680-7289

Monitor Your Credit: Get a copy of your credit report from each bureau to check for any suspicious activity. You are entitled to a free report from each once every 12 months at AnnualCreditReport.com.

3. Contact Your Financial Institutions
   Call your bank(s) and credit card companies immediately to report the theft.

They will cancel your missing debit/credit cards and issue replacements with new numbers.

Review your accounts for any suspicious or unauthorized transactions and dispute them.

4. File a Police Report
   File a report with the police department where the theft occurred.

A police report can serve as official documentation of the crime, which may be needed by creditors or other agencies as you clear up fraudulent activity.

5. Replace Other Important Documents
   Driver’s License/State ID: Contact your state’s Department of Motor Vehicles (DMV) to report it stolen and apply for a replacement.

Social Security Card: Contact the Social Security Administration (SSA) to request a replacement card. You can start the process online on the SSA website to see if you qualify, or contact them by phone.

SSA Phone: 1-800-772-1213

Speed is essential in these steps. The faster you act, the less damage a thief can do with your information.