1. What to Do If You Suspect Identity Theft
If you believe your identity has been stolen:

1. Place a Fraud Alert

   • Contact one bureau (Experian, Equifax, or TransUnion). They must notify the other two.

2. Freeze Your Credit

   • Prevents new accounts from being opened in your name. Free and reversible anytime.

3. File a Report

   • Report to
     IdentityTheft.gov
     (FTC) for an official recovery plan.

4. Contact Your Bank/Creditors

   • Dispute fraudulent charges, request new account numbers/cards.

2. How CreditVana Helps with Recovery

• Provides step-by-step guidance inside the portal.

• Direct links to each bureau’s fraud department.

• Prepares a summary of alerts for evidence.

3. Premium Recovery Assistance (Premium Members only)

• Priority support via
  support@creditvana.com
  .

• One-on-one help with dispute filings.

• Personalized recovery checklist in your dashboard.

4. Timeframe for Recovery

• Fraud alerts last 1 year (extendable).

• Credit freezes last until removed.

• Disputes typically resolved within 30–45 days.

• FTC recovery plans vary depending on severity.

🔐 Important Notes

• CreditVana provides monitoring and alerts, but does not directly resolve fraud cases.

• You must take action with bureaus, banks, and the FTC if theft occurs.

• For extra protection, always:

  • Use unique passwords + 2FA

  • Monitor your bank/credit card statements

  • Be cautious with unsolicited phone calls or emails