Thus, all three credit reports must be reviewed to ensure the accuracy and safety of your credit information. Equifax, Experian and TransUnion are private industry competitors who collect data independently. Monitoring your credit card statements and your credit reports are the most important steps you can take to safeguard your credit identity because you can catch errors and detect identity theft early. You are entitled to one free copy from each credit agency every twelve months. Order a FREE copy of your credit reports from each credit reporting agency. For fraud victim assistance, you may contact each of the credit reporting agencies at:Įquifax, P.O. Remember to include your home address, email address, and a telephone number where you can be easily reached. Your fraud victim statement should give a short summary of your circumstances and ask creditors not to extend any existing lines of credit or open any new lines of credit without contacting you personally. To request a permanent (7-year) fraud victim alert and add a 'fraud victim statement' to your credit file, you must send a request in writing along with a copy of your police report to each of the credit reporting agencies. The credit agency that you call will forward your request to the other two credit agencies. Place a temporary (90-day) ' fraud victim alert' on each of your credit reports by calling any one of the credit agencies listed below. For more information, see detailed instructions entitled “Placing a Security Freeze on Your Credit Report to Protect Yourself from Identity Theft” below.Ģ. There is NO COST to place or lift a security freeze. You must contact each of the credit reporting agencies individually online or by postal mail. Most businesses will not open credit card or loan accounts without checking your credit history. A security freeze prevents potential creditors and other third parties from accessing credit reports without your approval. P lace a security freeze on each of your credit reports (Equifax, Experian, and TransUnion) to stop fraudulent accounts from being opened by the identity thief. Whether you are a victim or not, you can take five important actions to protect your credit and your identity:ġ. Here's a checklist of immediate and next steps to take if you are a victim. File a police report with your local law enforcement agency and obtain a copy of the report. If you are a victim of identity theft, act quickly.

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