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Report Potential Identity Theft

If you have been a victim of spoofing or phishing or you replied to a spoof email or spoof website, we strongly suggest that you contact contact your credit card company and follow their advice to protect yourself from false charges.

We also strongly suggest that you contact the fraud departments of any one of the three major credit-reporting agencies and let them know you could be a potential victim of identity theft. That agency will notify the other two agencies. Through that process, a "fraud alert" can be placed in each of your three credit reports to notify creditors not to issue new credit in your name without gaining your permission. For your convenience, we have included contact information for all three credit reporting agencies:

What is a fraud alert?

There are two types of fraud alerts: an initial alert, and an extended alert.

An initial alert stays on your credit report for at least 90 days. You may ask that an initial fraud alert be placed on your credit report if you suspect you have been, or are about to be, a victim of identity theft. An initial alert is appropriate if your wallet has been stolen or if you've been taken in by a "phishing" scam. When you place an initial fraud alert on your credit report, you're entitled to one free credit report from each of the three nationwide consumer reporting companies.

An extended alert stays on your credit report for seven years. You can have an extended alert placed on your credit report if you've been a victim of identity theft and you provide the consumer reporting company with an "identity theft report." When you place an extended alert on your credit report, you're entitled to two free credit reports within twelve months from each of the three nationwide consumer reporting companies. In addition, the consumer reporting companies will remove your name from marketing lists for pre-screened credit offers for five years unless you ask them to put your name back on the list before then.

To place either of these alerts on your credit report, or to have them removed, you will be required to provide appropriate proof of your identity: that may include your Social Security number, name, address and other personal information requested by the consumer reporting company.

When a business sees the alert on your credit report, they must verify your identity before issuing you credit. As part of this verification process, the business may try to contact you directly. This may cause some delays if you're trying to obtain credit. To compensate for possible delays, you may wish to include a cell phone number, where you can be reached easily, in your alert. Remember to keep all contact information in your alert current.

Equifax
P.O. Box 740241
Atlanta GA 30374
To report Fraud: 1-888-766-0008
Website: www.equifax.com

Experian
P.O. Box 2002
Allen, TX 75013
To Report Fraud: 1-888-397-3742
Website: www.experian.com

TransUnion
Post Office Box 6790
Fullerton, CA 92834
To Report Fraud: 1-800-680-7289
Website: www.transunion.com

Additional information can be found at:

http://www.ftc.gov/bcp/edu/microsites/idtheft/index.html