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How do I put a fraud alert on my credit report?
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Last Updated
15th of September, 2009

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First, if you think you are a victim of identity theft or if your card(s) has been lost/stolen, call all credit card companies affected to report the incident. When you call, write down the name of the person you spoke with and make a few notes about the communication. After reporting the problem, then focus on putting a fraud alert on your accounts. (Note: A more drastic step is to freeze your credit file entirely. Different states have different credit freeze rules and each bureau has their own procedure.)

You only need to contact one of the three credit bureaus in order to have a 90-day fraud alert added to all three of your files. This alert lets businesses know that you may be a victim of identity theft. The credit bureau can also help you investigate the case and will send you a copies of your credit reports so you can look for suspicious changes.

Equifax
1-800-525-6285
www.equifax.com
P.O. Box 740241
Atlanta, GA 30374

Experian
1-888-EXPERIAN
www.experian.com
P.O. Box 9532
Allen, TX 75013

TransUnion
1-800-680-7289
www.transunion.com
Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, CA 92834

Also fill out an ID Theft Affidavit using the FTC’s form. This document can help you close unauthorized accounts and request that the credit bureaus extend your fraud alert for 7 years. You can also file an identity theft complaint with the FTC online.

Finally, check your credit reports and scores frequently following a potential identity fraud incident. You may want to sign up for a credit monitoring service that will instantly notify you of changes to your credit report. If you remain vigilant, you should be able to catch and stop any continuing identity theft before it causes major damage.


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