Identity theft victims often find themselves having to prove that they're victims, not deadbeats trying to get out of paying bad debts. So how do you go about proving you didn't do something? Getting the right documents and getting them to the right people is key.

The Police Report:
The police report is an important document for providing proof of the crime. Many creditors want a copy in order to absolve you of the fraudulent debts. Send a copy to each of the three major credit bureaus. They will block, or remove, the information you're disputing from your credit reports. This may take up to 30 days. The credit bureaus have the right to remove the block, or reinstate the information, if they believe it was wrongly placed. Because this initiative is voluntary, except in a few states (see Laws), it's important to also follow the dispute procedures outlined in How do I correct inaccurate information on my credit reports? Contact the credit bureaus to find out more about how this initiative works. If you're having trouble getting a police report, see What should I do if the local police will not take a report from me?

The ID Theft Affidavit:
The FTC, in conjunction with banks, credit grantors and consumer advocates, developed the ID Theft Affidavit to help you close unauthorized accounts and get rid of debts wrongfully attributed to your name. If you don't have a police report or any paperwork from creditors, send the completed ID Theft Affidavit to the three major credit bureaus. They will use it to start the dispute investigation process. You also can send the ID Theft Affidavit to creditors. Not all companies accept the ID Theft Affidavit. They may require you to use their forms instead. Check first.

Creditor Documentation:
Getting documentation from a creditor may be difficult, but you should try. Creditors' policies on confidentiality and record keeping vary and may prevent you from getting the paperwork you need to prove you didn't make a transaction. On the upside, most victims can get accounts closed and debts dismissed by completing the creditor's fraud paperwork, or the ID Theft Affidavit, and including a copy of a police report. Insist on a letter from the creditor stating that they have closed the disputed accounts and have discharged you of the fraudulent debts. This letter is your best defense if errors reappear or your personal information gets re-circulated. This letter also is the best document to give credit bureaus and debt collectors if your police report and ID Theft Affidavit aren't enough to resolve your problems with them