Be sure to check your credit rating with each credit bureau, too. If you notice anything odd or anything you don’t recognize (such as a charge where to get free credit report Tennessee account you did not open) report it immediately. Sometimes, these errors are caused by mistakes made where to get free credit report Tennessee at the credit bureau, but they could be an indication that someone is using your identity. In either case, such mistakes could hurt your credit score. If you think you have been the victim of identity theft, take action at once: 1) Contact the three major credit bureaus where to get free credit report Tennessee and ask to speak to the fraud department.
Explain that you have been the victim of identity theft (or believe you may have been) and ask that an “alert” be placed on your file. This will let anyone looking at your report know that you may have been the victim of fraud. It will also mean that you will be alerted any time a lender asks where to get free credit report Tennessee to look at your file each time a lender does look where to get free credit report Tennessee at your file, it may be an indication that the identity thieves are trying to open a new account in your name. free credit report 3 bureaus When the lender sees that where to get free credit report Tennessee the person applying is not you, where to get free credit report Tennessee they will deny the thieves credit and in most cases the criminals will stop trying to access your identity.
Most alerts on your file last 90 or 180 days but you can extend this period to several years where to get free credit report Tennessee by asking the credit agencies for an extension of the “fraud alert” in writing. In some states, you can even ask for a freeze to be placed on your credit score and credit report which will prevent anyone where to get free credit report Tennessee but yourself and those creditors you already have from accessing your where to get free credit report Tennessee file. credit report and free Any lenders the thieves contact to set up a new account will be refused access and the thieves will not be where to get free credit report Tennessee able to get any more money in your name. You are entitled to a free copy of your credit report if you have been the victim of identity theft. Be sure to take advantage of this offer so that you can check exactly how your credit has been affected. 2) Call the Federal Trade Commission (FTC) at 1-877-438-4338. This is the special hot line where to get free credit report Tennessee that the FTC has set up to help customers deal with where to get free credit report Tennessee fraud and identity theft. You will be able to get up-to-date information about your rights and advice as to what you can do to improve your credit score and keep in safe in the future. Identity theft is a crime and you need to file a police report (be sure to keep a copy of where to get free credit report Tennessee this report) so that you can help the police potentially catch the criminals responsible. Contacting the where to get free credit report Tennessee police will also give you a paper trail and proof that a crime has been committed. commercial credit report Keeping a paper trail of the where to get free credit report Tennessee crime and your response will make it easier for you to repair your credit if it has been damaged by identity thieves.
4) Contact your creditors or any creditors that the identity thieves have opened an account with. Ask to speak to the security where to get free credit report Tennessee department and explain your predicament. You may need to have your accounts closed or at least where to get free credit report Tennessee your passwords changed to protect yourself.
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