If you suspect you have been a victim of identity theft, you may want to consider working with the major credit reporting agencies for assistance.
Obtain a copy of your Credit Report
You are entitled to one free credit report annually by visiting www.annualcreditreport.com or call, toll-free, 1-877-322-8228. Consumers may also directly contact the three major credit reporting bureaus listed above to request a free copy of their credit report.
You may consider placing a fraud alert on your credit report. This is at no cost to you. An initial fraud alert will stay on your credit file for at least one year. A fraud alert tells creditors to contact you directly before opening any new accounts or making changes to existing accounts.
You can place a fraud alert on your accounts with any one of these three credit reporting agencies listed below. One agency alert will automatically notify the other two credit reporting agencies.
Like a fraud alert, you can use a security freeze to stop any new credit from being opened under your name. However, in order to initiate the freeze, you will be issued a PIN number which will be required for any future credit applications. A freeze helps prevent potential creditors from accessing your credit report without your consent. Learn more at USA.gov.
|Website Link||Equifax Credit Report Services||Experian Help||Transunion Credit Help|
|Fraud Alert (mail)||Equifax Fraud Alert, P.O. Box 105069 Atlanta, GA 30348-5069||Experian Fraud Alert, P.O. Box 9554, Allen, TX 75013||TransUnion Fraud Alert, P.O. Box 2000, Chester, PA 19016|
|Credit Freeze (mail)||Equifax Credit Freeze, P.O. Box 105788 Atlanta, GA 30348-5788||Experian Credit Freeze, P.O. Box 9554, Allen, TX 75013||TransUnion Credit Freeze, P.O. Box 160, Woodlyn, PA 19094|
Need more information? Here is an informative video about avoiding identity theft from consumer.gov.