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Victims who discovered identity theft in the early stages-within the first month-- spent fewer than 10 hours resolving the related problems. (Source: U.S. Federal Trade Commission statistics, 2004.)

Only one in 10 victims report they were aware that their personal information had been taken before discovering they were victims of identity theft. (Source: U.S. Federal Trade Commission statistics, 2004.)

One in six identity theft victims has had their identity used by criminals when arrested and charged with a crime. (Source: U.S. Federal Trade Commission statistics, 2004.)

Most victims do not learn about the theft of their identity until months after it has occurred.

Victims of identity theft have reported that clearing their names and reclaiming their identities can take an average of 44 months according to the United States Postal Inspection Service.

According to the ID Theft Resource Center, identity theft victims average 300 hours of activity in attempts to clear their names.

The FTC reports that among victims:
85% of identity theft victims had one or more of their accounts misused
only 25% of the victims reported the crime to criminal authorities
only 22% of the victims reported the crime to one or more credit bureaus
50% of the victims did not know how the criminals got their personal information
26% of the victims said they knew the person who misused their identity

The FTC is engaged in the battle against identity theft. They report:
There were 9.9 million Identity Theft victims in 2003
The loss to businesses and the victims was $53 billion
On average, the thief misused the victim's personal information to obtain money or goods or services valued at $10,200
Only one in 10 victims report they were aware that their personal information had been taken before discovering they were victims of identity theft
One in six identity theft victims has had their identity used by criminals when arrested and charged with a crime

The FTC further reports that victims report that they experienced:
36% had credit card problems
35% were harassed by a collector
35% had loans rejected
23% had banking problems
16% had insurance rejection
14% had a criminal investigation

Sometimes an identity thief can strike even if you've been very careful about keeping your personal information to yourself. If you suspect that your personal information has been hijacked and misappropriated to commit fraud or theft, take action immediately, and keep a record of your conversations and correspondence. You may want to use the form, "Chart Your Course of Action," below. Exactly which steps you should take to protect yourself depends on your circumstances and how your identity has been misused. However, six basic actions are appropriate in almost every case.

1. Call Us
Where information has been misappropriated contact AIG at (866) 434-3572. Your master policy number is 916281.
AIG Representatives are certified experts in the identity theft recovery process. Each of our representatives has received hours of specialized training in victim assistance. They will answer any questions or concerns you may have and immediately formulate a personalized plan of action.
You can count on AIG to take charge of this unfortunate situation. We'll put your mind at ease and, most importantly, put your identity back in your control.

2. Place a fraud alert on your credit reports and review your credit reports
Call the toll-free fraud number of any one of the three major credit bureaus to place a fraud alert on your credit report. This can help prevent an identity thief from opening additional accounts in your name. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will automatically be notified to place fraud alerts on your credit report, and all three reports will be sent to you free of charge.
Equifax - To report fraud, call: 1-800-525-6285, and write: P.O. Box 740241, Atlanta, GA 30374-0241
Experian - To report fraud, call: 1-888-EXPERIAN (397-3742), and write: P.O. Box 9532, Allen, TX 75013
TransUnion - To report fraud, call: 1-800-680-7289, and write: Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790

Once you receive your reports, review them carefully. Look for inquiries you didn't initiate, accounts you didn't open, and unexplained debts on your true accounts. Where "inquiries" appear from the company(ies) that opened the fraudulent account(s), request that these "inquiries" be removed from your report. You should also check that information such as your SSN, address(es), name or initial, and employers are correct. Inaccuracies in this information also may be due to typographical errors. Nevertheless, whether the inaccuracies are due to fraud or error, you should notify the credit bureau as soon as possible by telephone and in writing. You should continue to check your reports periodically, especially in the first year after you've discovered the theft, to make sure no new fraudulent activity has occurred. The automated "one-call" fraud alert process only works for the initial placement of your fraud alert. Orders for additional credit reports or renewals of your fraud alerts must be made separately at each of the three major credit bureaus.

3. Close any accounts that have been tampered with or opened fraudulently
Credit Accounts
Credit accounts include all accounts with banks, credit card companies and other lenders, and phone companies, utilities, ISPs, and other service providers.
If you're closing existing accounts and opening new ones, use new Personal Identification Numbers (PINs) and passwords.
If there are fraudulent charges or debits, ask the company about the following forms for disputing those transactions:
For new unauthorized accounts, ask if the company accepts the ID Theft Affidavit (available at www.ftc.gov/bcp/conline/pubs/credit/affidavit.pdf or in the Appendix below). If they don't, ask the representative to send you the company's fraud dispute forms.
For your existing accounts, ask the representative to send you the company's fraud dispute forms.
If your ATM card has been lost, stolen or otherwise compromised, cancel the card as soon as you can. Get a new card with a new PIN.

Checks
If your checks have been stolen or misused, close the account and ask your bank to notify the appropriate check verification service. While no federal law limits your losses if someone steals your checks and forges your signature, state laws may protect you. Most states hold the bank responsible for losses from a forged check, but they also require you to take reasonable care of your account. For example, you may be held responsible for the forgery if you fail to notify the bank in a timely way that a check was lost or stolen. Contact your state banking or consumer protection agency for more information.
You also should contact these major check verification companies. Ask that retailers who use their databases not accept your checks.

TeleCheck - 1-800-710-9898 or 927-0188

Certegy, Inc. - 1-800-437-5120

International Check Services - 1-800-631-9656

Call SCAN (1-800-262-7771) to find out if the identity thief has been passing bad checks in your name.

4. File a report with your local police or the police in the community where the identity theft took place
Keep a copy of the report. You may need it to validate your claims to creditors. If you can't get a copy, at least get the report number.

5. File a complaint with the FTC
By sharing your identity theft complaint with the FTC, you will provide important information that can help law enforcement officials track down identity thieves and stop them. The FTC also can refer victim complaints to other appropriate government agencies and companies for further action. The FTC enters the information you provide into our secure database.

To file a complaint or to learn more about the FTC's Privacy Policy, visit www.consumer.gov/idtheft. If you don't have access to the Internet, you can call the FTC's Identity Theft Hotline: toll-free 1-877-IDTHEFT (438-4338); TDD: 202-326-2502; or write:

Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580

Tips on Filing a Police Report

Tips on Organizing your Case

6. Chart your course of action
Keeping your case organized is important to the recovery of your good name.