InstructIons for completIng
the ID theft AffIDAvIt
To make certain that you do not become responsible for any debts incurred by an identity thief,
you must prove to each of the companies where accounts were opened in your name that you
didn’t create the debt. The ID Theft Affidavit was developed by a group of credit grantors,
consumer advocates, and attorneys at the Federal Trade Commission (FTC) for this purpose.
Importantly, this affidavit is only for use where a new account was opened in your name. If
someone made unauthorized charges to an existing account, call the company for instructions.
While many companies accept this affidavit, others require that you submit more or different
forms. Before you send the affidavit, contact each company to find out if they accept it. If they
do not accept the ID Theft Affidavit, ask them what information and/or documentation they
You may not need the ID Theft Affidavit to absolve you of debt resulting from identity theft
if you obtain an Identity Theft Report. We suggest you consider obtaining an Identity Theft
Report where a new account was opened in your name. An Identity Theft Report can be used to
(1) permanently block fraudulent information from appearing on your credit report; (2) ensure
that debts do not reappear on your credit reports; (3) prevent a company from continuing to
collect debts or selling the debt to others for collection; and (4) obtain an extended fraud alert.
The ID Theft Affidavit may be required by a company in order for you to obtain applications or
other transaction records related to the theft of your identity. These records may help you prove
that you are a victim. For example, you may be able to show that the signature on an application
is not yours. These documents also may contain information about the identity thief that is
valuable to law enforcement.
This affidavit has two parts:
• Part One — the ID Theft Affidavit — is where you report general information about yourself
and the theft.
• Part Two — the Fra