IDENTITY THEFT INFO

Signs That You May
Have Become A Victim

How do you know you've become a victim of identity theft? 

Some red flags or indicators might include the following:

  • You are denied credit
  • A new or renewed credit card never arrives in the mail
  • You start receiving calls from creditors about debts you have no knowledge of
  • You discover unauthorized purchases on your billing statements

If someone has stolen your identity, the Federal Trade Commission recommends you take three actions immediately:

  1. Contact the fraud department of any one of the three major credit bureaus to place a fraud alert on your credit report.
    (See below for phone numbers.)
      The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified to place fraud alerts, and all three credit reports will be sent to you free of charge. Once you receive your reports, review them carefully to make sure no fraudulent accounts have been opened in your name or unauthorized changes made to your existing account.

  2. Contact the creditors (credit card companies, banks and other lenders) and close any accounts that you know or believe have been tampered with or opened fraudulently. Ask to speak to someone in the security or fraud department of each creditor. Itís particularly important to notify credit card companies in writing.
  3. File a police report. Get a copy of the report to submit to you creditors and others that may require  proof the crime.

    In "Johnny May's Guide to Preventing Identity Theft", each of these steps are outlined, citing additional considerations, as well as listing agency phone numbers and websites. There are also sections on your liability and the importance of documentation.

    Order your copy of this important guide today!


Reporting Fraud to Credit Bureaus
Here are the numbers you need to fight identity theft today!

Credit Bureau To Report Fraud To Order Credit Report
Equifax
www.equifax.com
800-525-6285 800-685-1111
Experian
www.experian.com
888-397-3742 888-397-3742
Trans Union
www.transunion.com
800-680-7289 800-888-4213