Then when the thief does not pay the bills, the company itself or a debt collection company contacts you to demand payment.
As a result, your credit report is likely to contain negative information about your bill-payment history, and your credit score has probably been lowered considerably, making it difficult checking credit score Lubbock or impossible to obtain new credit yourself. This guide provides victims of identity theft with instructions on how to regain your financial health and who to contact for more help. You must act quickly and assertively to minimize the damage.
Notify credit bureaus and establish fraud alerts. Immediately report the situation to the fraud department of the three credit reporting companies -- Experian, Equifax, and TransUnion. how to get free credit reports online When you notify one bureau that you are at risk of being a victim of identity theft, it will notify the other two for you. Placing the fraud alert means that your file will be flagged and that creditors are required to call checking credit score Lubbock you before extending credit. Consider using a cell phone number if you have one. We checking credit score Lubbock recommend that you do not choose to call Experian. You will be subject to a marketing pitch for their "checking credit score Lubbock free" credit management tools. credit scores free If you fail to cancel the service within 30 days, checking credit score Lubbock your credit card will automatically be charged for the service. Under new provisions of the Fair Credit Reporting Act (FCRA, §605A) you can place an initial fraud alert for only checking credit score Lubbock 90 days. The credit bureaus will each mail you a notice of your rights as an identity theft victim. Once you receive checking credit score Lubbock them, contact each of the three bureaus immediately to request two things: You may request that only the last four digits of your Social Security number (SSN) appear on the credit report. You must have evidence of attempts to open fraudulent accounts and an identity theft report (police report) to establish checking credit score Lubbock the seven-year alert. annual free credit report In all communications with the checking credit score Lubbock credit bureaus, you will want to refer to the unique number assigned to your credit report and use certified, return receipt mail. Be sure to save all credit reports as part of your fraud documentation file.
Once you have received checking credit score Lubbock your three credit reports, examine each one carefully.
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