Post # 1
This morning I found out my purse, plus all of it’s contents, was stolen. Any tips for what I should do?
I have been looking at some online resources…here are the main points.
1. Call your credit card and ATM card issuers.
2. Open a report with local Police or Sheriff
3. Call all three major credit reporting agencies and request a fraud alert be put on your account.4. Contact your bank or credit union’s fraud department and report the event.
5. Order and begin a vigilant review of your credit reports
6. Report a missing driver’s license to your state’s department of motor vehicles.
7. If your keys are missing (Auto or Home) change the locks on your home and car.
8. Begin a written list (inventory) of every item in the stolen wallet or lost purse
9. Enroll with a reputable Identity Theft Protection Service
10. Have a detailed discussion with your bank.
Is there anything else I should do? Thankfully my keys were with my husband, but I have so much stuff in my purse. Not to mention the damn purse, which was a gift. A pricey, pricey, designer gift. I have my work pay stubs in my purse (I do direct deposit and get my stubs monthly and usually just stuff them in there.) Plus my entire day planner. I can’t even think of what else is in there.
If I stop my cards, what do I do about checks that I have out? Will they still go through? What do I do about money until I get new cards? Do I just withdraw cash? This is really overwhelming and Darling Husband is being less than helpful.
Post # 3
Checks will still go through. Your bank acct # won’t change, just the 16 digit # on your debit card. Your bank should be able to give you a temporary debit card that will work only at atms and rush you a new debit card (make sure you tell them to rush it because otherwise it might take 8-10 days). If you have anything direct debiting against your cards (i.e. Gym) you’re going to have to notify them when you get your new card #.
Post # 4
@LGenz: Thanks, that makes me feel better. The last thing I need is a bunch of checks bouncing, LOL. This whole situation is ridiculous and stressful. I’m trying to think of anything we have debited out…
Post # 5
First, so sorry this happened! I lost my wallet a few years ago and it was a nightmare! Your list is pretty comprehensive. If you just ATM/Debit/Credit cards in there, the bank will cancel those but your checking account will remain the same, so any checks you write will be valid. It should only take a few days, maybe a week to have new cards issued. I’d say also monitor all your accounts to make sure there weren’t any charges. I’d also make sure you didn’t have any information on your pay stubs or planner that could be used against you. For example, Darling Husband has a habit of writing his passwords in his planner. If that were ever stolen, he would have to change passwords for everything!
Post # 6
@hosannac: Thank you! Thankfully the only passwords I have written down are for work logins, so they aren’t important (I work for a hotel.)
But I have checks in my wallet. Will they cancel those checks?
Post # 7
In addition to what you’re already researched- watch your bank account for the next few months. Call your bank about any charges that you don’t recognize and they will refund the money. If someone has your checks, they could try to use them even after you get new debit/credit cards.
Did you have specific locations in your day planner? If so, see about changing those meeting locations for safety reasons.
Post # 8
Oh no, Lindsay!!! I’m so sorry! What a pain, not to mention the loss of all of your stuff. Men don’t realize how we carry our entire lives around with us in our purses!
The list you gave is pretty exhaustive. Your checks are fine — but make a list of everything that auto-pays from your debit or credit card. You’ll need to change your account info on those once you get your new cards with your new numbers.
Was there anything in your purse with your or your husband’s SS number on it?
You may really want to consider signing up for Life Lock, an identity theft progam. My mom is a Life Lock member, and I know it helped her stay safe from an attempt to steal her identity. It’s worth looking into, at least. And it may help give you some peace of mind.
or any similar program.
Hang in there hun!!!
Post # 9
You only need to call one of the credit bureaus and put a fraud alert on your credit, they will tell the other two. This could make it hard to apply for new credit if you need that in the future.
Is your bank account on the paystubs? If so, you really should think about changing your bank account.
I don’t really advocate for credit protection services, you could do the same thing for free with a credit freeze. And they don’t necessarily stop fraudulent activity, just help you deal with it after it is done.
Post # 10
This has been a nightmare. Thankfully Bank of America is awesome and they were able to cancel all checks, and issue me a new debit card without actually changing my account number.
I called the credit bureaus and set up a fraud alert on my social security number.
I opened a police report.
@MrsSaltWaterTaffy: Thankfully, my pay stub does NOT have any account information on it. Phew.
Post # 11
I know this advice is a little late, but since you’ll need to replace your planner, maybe you’ll find it helpful anyway… I love love LOVE using my iPhone for all that. (And if you don’t want the monthly fees, you can get an iPod Touch instead.) Appointments, addresses, etc. etc. etc. Not only is all your information backed up, so you can access it very quickly if your device goes missing, but you can lock your device and wipe it remotely – so if your purse was lost/stolen again in the future, they wouldn’t have access to any of your information, but you could very quickly get it back.
AND, with an iPhone, unless they manage to wipe it first, you can track its location… which may help the police. 🙂
Sorry, I know that absolutely doesn’t help you now, but maybe something to consider as you’re replacing the things you lost.
Post # 12
@koveline: Haha, no, I appreciate the advice! Even though I am only 25, for some reason I LOVE writing things down in a planner. My husband gives me a hard time since we both have iPhones, I just never can put stuff in it. I am going to try now though, for the exact reasons you mentioned!
Post # 13
Oh, if only I could show you the day planner I used to keep… I still drool over the Day Runner site from time to time, haha. I totally get it.
Post # 14
@koveline: 🙂 I actually have TWO – one personal, one work. I think I just love writing stuff down and crossing it out, lol!
Post # 15
@Linz1231: I do this with homework! Print it all off, hang it on the wall… sharpie it out when it’s done. So satisfying.
Post # 16
I think you have all bases covered, just wanted to give you hugs. My sister just had this happen a few weeks ago (with broken car windows on top of it), it was devastating. I would recommend putting an actual security freeze on your credit report, so they can’t open any new accounts. That’s what we did with her since she had 2 forms of id stolen. It costs $10 per each of the 3 credit bureaus and then it will cost $10 each to take it off; but I just think it’s worth it to not have your identity stolen and have to deal with that the rest of your life. I hope everything works out for you, good luck.