I Was Scammed Now What Do I Do?

January 25, 2022
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You thought that you were being as safe as possible, but somehow, you still managed to get scammed. As anxious as you may feel when you realized that you were scammed, it’s important to collect yourself so that you can do what you need to in order to minimize damage and try to recover anything that you have lost. Knowing what to do in case this happens to you can be extremely helpful throughout this process. Reading on, you can learn more about the various things that you can do if you’ve been scammed.

Contact Credit Card Companies and Banks

If you were scammed out of any financial information, such as your login credentials or your credit card information. You can contact these companies to have your cards cancelled and have new ones sent to you. You can also check your recent transactions with them, so that you can make sure that there was no fraudulent activity on your accounts. If you don’t recognize anything, make sure you flag them as fraudulent. In many cases, they will return your money in these cases if they determine that you didn’t actually make those purchases.

You should also take the time to change your login information to these accounts. It is recommended that you use different passwords for each account and/or regularly change these passwords to prevent any criminals from accessing your accounts. If you have trouble remembering passwords, there are password managers that you can get to help with this.

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Contact Credit Bureaus

There are 3 primary credit bureaus that are responsible for your credit reports: TransUnion, Equifax, and Experian. These credit bureaus can be especially helpful if you think that someone may have stolen your social security number. There are a few different ways that they can help.

For one thing, they can freeze your credit. This will ensure that no one can use your credit report fraudulently. What this means is that no one can access your credit report, so that a creditor can’t do a credit check. This will ensure that any credit application is denied. The downside to this is that it will also prevent you from getting a loan or credit until you unfreeze your credit.

You can also consider getting a fraud alert on your credit reports after you’ve been scammed. You have 2 options here: an initial fraud alert and/or an extended fraud alert. An initial fraud alert only needs to be requested from a single credit bureau, then they will pass it along to the other bureaus. This alert adds a notification to the various credit agencies, which has a phone number where they can contact you to verify your information before processing an application. The initial fraud alert only lasts 90 days, but you can renew it as often as you’d like. You also have the option to have an extended fraud alert, which can last 7 years. However, with this option you need to contact the individual credit bureaus as well as submit an FTC identity theft affidavit and a police report.

Submit a Complaint to the FTC (Federal Trade Commission)

Before you go through the process of filing a police report, you should contact the FTC. Throughout this process, the FTC will ask you some questions and then they will create a personal recovery plan that can help you through the next part of the process. Once there, you can create an account with this organization to get access to some additional resources as well as keeping track of the progress with this plan. This will also give you an identity theft affidavit, which is important to have when filing a police report and getting an extended fraud alert.

Filing a Police Report

Depending on where you live, you may also have the option to file a police report. You can contact your local police department to learn more about this process and what you need to do. Answer all of the questions the best that you can, then give it to the police department. Don’t forget to request a copy of the police report, as this is important if you are going to request an extended fraud alert.

Monitor Your Credit

Monitor Your Credit

By taking all of the different steps up until this point, you are making whatever information that was stolen from you less valuable to the criminal who stole it. For example, when you cancel your credit cards, they no longer have access to that line of credit. When you put a freeze on your credit, they cannot use your Social Security number to open a new account in your name. But just because your credit is frozen, that doesn’t mean that they can’t use your Social Security number for other purposes like tax fraud.

This is why it’s crucial that while you are going through this process, you take the time to monitor your credit to make sure that the scammer doesn’t mess with your credit while you are trying to lock down your information. Be sure to check your credit report on a regular basis to see if there is any activity that you don’t recognize. You should also closely look at your credit score to see if it drops, if there’s a sudden drop in your credit score, this is typically a sign that there’s some trouble you need to attend to.


It’s important to understand what you need to do if you get scammed before the time comes. It’s important to have this information, because this means that you can be better equipped to handle this situation. These are some of the most important things for you to do when you have been scammed, especially when it comes to cancelling your credit cards and putting a freeze on your credit. No matter how careful you are, you may not be able to completely protect yourself from a scam.By remaining calm throughout this process, you can take the necessary steps to protect yourself from suffering major damages.