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Are you a victim of identity theft?

Let us help.

What to do right away

Step 1: Call the companies where you know fraud occurred.

Step 2: Place a free, 90-day fraud alert by contacting one of the three credit bureaus. The company you contact must tell the other two.

Why a fraud alert? A fraud alert is free. It will make it harder for someone to open new accounts in your name. When you have an alert on your report, a business must verify your identity before it issues new credit in your name. You can renew the fraud alert after 90 days.

Step 3: Get a free credit report from Equifax, Experian, and TransUnion.

Step 4: Report identity theft to the FTC.

Step 5: File a report with your local police department.

What to do next

Step 1: Close any new unauthorized accounts opened in your name.

Step 2: Remove bogus charges from your accounts.

Step 3: Correct your credit report.

If someone steals your identity, you have the right to remove fraudulent information from your credit report. This is called blocking. Once the information is blocked, it won’t show up on your credit report, and companies can’t try to collect the debt from you. If you have an Identity Theft Report, credit bureaus must honor your request to block this information.

Write to each of the three credit bureaus. This sample letter can help.

TransUnion.com
Fraud Victim Assistance Department
P.O. Box 2000
Chester, PA 19016
1-800-680-7289
Equifax.com
P.O. Box 105069
Atlanta, GA 30348-5069
1-800-525-6285
Experian.com
P.O. Box 9554
Allen, TX 75013
1-888-397-3742

Step 4: Consider adding an extended fraud alert or credit freeze.

Extended fraud alerts and credit freezes can help prevent further misuse of your personal information. There are important differences. The below information can help you decide which may be right for you.

Alert

Credit Freeze

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