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To place a fraud alert on your report, contact one of the nationwide credit reporting companies (the company you contact must share the alert information with the other companies) and ask for the company to put a fraud alert on your credit file.
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Even with a fraud alert or freeze, you should still actively monitor your accounts for fraudulent transactions.Ĭredit Report Fraud Alerts: When you have a fraud alert on your report, businesses must first verify your identity before issuing credit. If you’re concerned about someone gaining access to your credit report without your permission, you may consider placing a fraud alert or credit freeze on your report(s). You may also contact Equifax directly at 1.866.447.7559 with any questions. The website also provides additional information on steps consumers can take to protect their personal information. Based on the company’s investigation, the unauthorized access occurred from mid-May through July 2017.Įquifax has established a dedicated website, to help consumers determine if their information has been potentially impacted and to sign up for one year of complimentary credit file monitoring and identity theft protection. Equifax, a major credit reporting agency, recently announced a cybersecurity breach potentially impacting approximately 143 million U.S. It is important you remember this number or password or put it in a safe place, because you may to give it to the agency if you want to lift the credit freeze.įor additional information about credit freezes, please see the FTC’s website. The credit agencies must send written confirmation of the credit freeze to you and should provide you with a personal identification number or password that you will use to temporarily lift or remove a credit freeze. Information on how to do so is available from the above credit reporting agencies. You may also request a credit freeze for a minor child or a dependent, even if they do not have a credit report. If you are a victim of identity theft, a copy of either the police report, investigative report, or complaint to a law enforcement agency concerning identity theft.A legible photocopy of a government issued identification card (state driver’s license or ID card, military identification, etc.).Proof of current address, such as a current utility bill, telephone bill, rental agreement, or deed.Addresses where you have lived over the prior five years.Your full name (including middle initial as well as Jr., Sr., II, III, etc.).In order to request a credit freeze, expect to provide some or all of the following information to the credit reporting agency, depending on whether you request the freeze online, by phone, or by mail: You may also place a credit freeze through each of the consumer reporting agencies’ websites or over the phone, using the contact information below: To place a credit freeze on your credit report, you may send a written request by regular, certified, or overnight mail at the addresses below. There is no charge to put a fraud alert on your credit report. Make sure you understand any charges, which may go up after a free or discounted trial period, and which often renew automatically.Ī credit freeze is also different from a “fraud alert.” A fraud alert does not prevent businesses from requesting your credit report, but requires them to take extra steps to verify your identity. You should read the terms of any service carefully before you sign up. “Credit locks” are not the same as a credit freeze. “Credit locks” vary by credit reporting agency but are generally a private service that you may have to pay a recurring fee to use, or that may be combined with other services, like various paid credit monitoring services. Switching or starting a new utility service or phone line, including a cell phone.
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