Take Action Against Identity Theft
NEVER Give out Credit Card and Account Information or Social Security number
Especially by phone or over the internet, unless the transaction was initiated by you with a trusted, reputable vendor, whose name and phone number you have independently verified as legitimate.Keep your personal identifying information in a safe location and refrain from sharing that information with anyone you do not fully trust.Opt out of credit marketing lists at 1-888-5OPTOUT (888-567-8688)Use a shredder to foil garbage theives.Get on No Call lists:State No Call: 1-888-382-1222Federal No Call: www.donotcall.gov (permanent)Review your monthly statements and check for unauthorized charges.
Check your credit reports at least once a year.Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even job applications. Reviewing credit reports helps you catch signs of identity theft early. Federal law allows you to get a free copy of your credit report every 12 months from each of the three major credit reporting companies. Review your credit report often to ensure information is correct and up to date. Check all three reports at once, or one every four months, which could better your chance of catching mistakes or unauthorized use of your identity. To get your free reports, call 1-887-322-8228 or go to www.annualcreditreport.com. You can also download our online forms to submit a request by mail.
What to Do If You Have Been Financially Exploited
- Contact your financial institution and/or credit card company immediately to close all accounts that may have been compromised.
- Contact local law enforcement and file a police report
- Get a 90-day “fraud alert” placed on credit reports.
Equifax Consumer Fraud Division
P.O. Box 740241, Atlanta, GA 30374-0241
www.equifax.comExperian’s National Consumer Assistance
(888)397-3742 (TDD 800-972-0322)
P.O. Box 2104, Allen, TX 75013
www.experian.comTransUnion Fraud Victim Assistance Department
(800)680-7289 (TDD 877-553-7803)
Fraud Victim Assistance Division
P.O. Box 6790, Fullerton, CA 92834-6790
- Report identity theft to the Federal Trade Commision by completing their ID Theft Affidavit online at
- Obtain a Security Freeze ($10 ror police report). Each state has a different procedure – go to
http://www.experian.com/consumer/security_freeze.html to get procedure for your state.Send by certified mail to:Equifax, CSC Credit Services, Security freeze, PO Box 674438, Houson, TX 77267-4438
Experian, Experian Security Freeze, PO Box 9554, Allen TX 75013
TransUnion, TransUnion Security Freeze, PO Box 6790, Fullerton, CA 92834-6790