This will make all who are extending credit on your identification pause to consider that the requester may not be the person who owns the identification.
You have the right to ask that nationwide consumer credit reporting companies place "fraud alerts" in your file to let potential creditors and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. You may place a fraud alert in your file by calling just one of the three nationwide consumer credit reporting companies. As soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file.
- Equifax: 1-877-576-5734; www.alerts.equifax.com
- Experian: 1-888-397-3742; www.experian.com/fraud
- TransUnion: 1-800-680-7289; www.transunion.com
An
initial fraud alert stays in your file for at least 90 days.
An extended alert stays in your file for seven years.
To place either of these alerts, a consumer credit reporting company will require you to
* provide appropriate proof of your identity,
* which may include your Social Security number.
* you may have to provide an identity theft report.
An identity theft report includes a copy of a report you have filed with a federal, state, or local law enforcement agency.
For more detailed information about the identity theft report, visit www.ftc.gov/bcp/edu/microsites/idtheft/.
You are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting companies – Equifax, Experian and TransUnion. This free credit report can be requested through this website, by phone or by mail.
All three credit reports may be ordered at one time or spaced out every 4 months.
Please contact the nationwide consumer credit reporting company that provided the credit report
* Equifax - www.investigate.equifax.com
* Experian - www.experian.com
* TransUnion - www.transunion.com
You may request that consumer credit reporting companies exclude your name from lists for pre-approved, unsolicited credit and insurance offers. To find out more, please call 1–888–5OPTOUT (1–888–567–8688) or go to ...
http://optoutprescreen.com
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How can I get my credit score?
You will be given an opportunity to purchase a credit score from any of the nationwide credit reporting agencies after you receive your free annual credit report from any of them in response to a request made through this website.
How to connect to Annual Credit Report. Click below ...
Annual Credit Report