Take your name back
Complete toolkit — lockdown to recovery

Someone is pretending to be you.
Here's how you shut it down.

Fraudulent accounts, mystery collection calls, a credit report full of strangers' debts — identity theft is fixable, and federal law gives you real weapons: free credit freezes, fraud alerts, and the right to have fraud blocked from your credit report within 4 business days. Answer 6 quick questions and get the first-48-hours checklist, your bureau block letters, your creditor fraud letters, and the long-game playbook.

Start my recovery →

48-hour checklist free · Complete toolkit $29 one-time · No account needed

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New address, same kit — unlocked before? Use the link above and enter your code once.

Step 1Lock everything down — freezes, alerts, the federal report.
Step 2Block the fraud from your credit report with bureau letters.
Step 3Shut down the fraudulent accounts and the collectors.

Build your recovery kit

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Already paid, but on a new device or cleared browser? Enter your unlock code — then generate and your full kit appears.

💡 Tip: print or save each finished document as a PDF before starting a new one — your kit is reusable. Change the details and generate again as many times as you need.

Part 1 — The First 48 Hours Lockdown

Do these today, in order — each step is free

Unlock the complete toolkit

The lockdown stops the bleeding. Parts 2–4 erase the damage and keep it gone.

  • Part 2: block letters for Equifax, Experian & TransUnion citing FCRA §605B — the 4-business-day block
  • Part 3: the fraudulent-account letter to creditors and the not-my-debt letter to collectors
  • Part 4: extended 7-year fraud alert, IRS IP PIN, and the full long-game playbook
  • The evidence file that makes every dispute stick
  • What to do when a bureau or creditor pushes back
  • Print / save as PDF, unlimited edits, lifetime access on this device
$29

One-time. The fraudsters spent your money — don't let recovery cost much more.

Unlock the full kit →

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Part 2 — The Credit Bureau Block Letters

Send to all three bureaus — federal law requires a block within 4 business days

🔒 Unlock to see your three bureau block letters.

Part 3 — Creditor & Collector Fraud Letters

For every fraudulent account and every collector who calls

🔒 Unlock to see your creditor and collector letters.

Part 4 — The Long Game: Stay Locked Down

The 7-year protections and the traps that reopen the wound

🔒 Included in the $29 kit.

How identity theft recovery actually works

Identity theft feels like chaos, but recovery is a checklist — and federal law does the heavy lifting once you invoke it correctly. Credit freezes are free at all three bureaus by federal law. An FTC identity theft report from IdentityTheft.gov serves in place of a police report for most purposes. And the strongest tool most victims never use: FCRA §605B requires credit bureaus to block fraudulent information from your report within 4 business days of receiving your identity theft report. The sequence:

  1. Lock it down (today, free). Freeze your credit at Equifax, Experian, and TransUnion; place a one-year fraud alert (any one bureau must tell the other two); file your FTC identity theft report; change passwords and turn on two-factor everywhere that matters.
  2. Block it from your report. Send each bureau the §605B block letter with your identity theft report and proof of identity. Four business days later, the fraud stops dragging your score down.
  3. Kill the accounts. Notify each defrauded creditor's fraud department in writing, and answer any collector with a not-my-debt identity theft letter — collection on identified fraud must stop.
  4. Play the long game. Upgrade to the 7-year extended fraud alert, get an IRS Identity Protection PIN, and keep the freeze on permanently — thaw it only when you actually apply for credit.

Do I need a police report?

Usually the FTC report is enough — it's designed to substitute for one. File a police report too if you know the thief, an account was opened locally, a creditor insists on one, or money was physically stolen. The kit covers how.

Will this cost me money?

The protections themselves are free by law — freezes, alerts, blocks, the FTC report, the IRS PIN. Don't pay monthly "identity protection" fees for what the law already gives you; this kit shows you how to do all of it yourself.

Right now, before anything else: if you know which account was hit, call that company's fraud line today and freeze or close the account. Then start Part 1.

Identity Theft Recovery Kit provides self-help document templates and general information, not legal advice, and is not a law firm. Procedures and protections are current as verified July 2026 and can change — verify current rules at IdentityTheft.gov. For large losses or ongoing criminal activity, involve law enforcement and consider an attorney.

Built by John R. Detty — 22 years as a U.S. Navy Legalman, retired. Two decades in Navy legal offices taught me one thing: the right paper, sent the right way, gets results. Not a lawyer, and this isn't legal advice — just paperwork that means business.