Placing a “fraud alert” on your credit file
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. Per the instructions at www.annualcreditreport.com these are the directions for placing an alert with each of the credit companies.
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. Also realize it may delay your own 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
Tags: credit reports, Fraud, Identity Theft
This Entry was posted by Linda Vincent
Tuesday, March 16th, 2010 / Fraud, Identity Theft, Medical IdentityTheft.
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