Identity Theft Alert

  Credit Agencies Have Simplified the Process for Reporting Identity Theft!

 As of April 16, 2003, the three nationwide credit bureaus, Equifax, Experian and TransUnion, have made it easier for identity theft victims. Now you need only call one of the three bureaus, and they'll notify the others.

Credit bureau phone numbers to place a fraud alert Call just one to report identity theft!

Equifax 1.(800) 525-6285

Experian 1 (888).397-3742

TransUnion 1 (800) 680-7289
     

The ID Fraud Initiative

   Each company follows a standardized three-step process to post a security alert on the credit file, opt the victim out of preapproved offers of credit or insurance and mail the victim a copy of his or her credit file.

  When you call the credit bureau, here's what happens...

The company receiving your call issues an electronic notification to the other two credit reporting companies of the crime

A fraud alert is put on your credit report at all three nationwide credit reporting companies within 24 hours;

You, as the victim, will be opted out of all preapproved offers of credit and insurance for two years;

The credit bureau will process your request for a copy of your free credit report within three business days.

Note: For a small charge, you can get all 3 bureaus in an instant online credit report here, and you need not be an identity theft victim.

Deleting Fraudulent Data from your Credit Report

Each of the three national credit reporting companies will work with the you to verify information in their respective credit reports and to delete any fraudulent data.

File a Police Report, Get Immediate Credit Report Corrections!

If you file a police report, the process is even quicker. The credit reporting companies will voluntarily expedite services for victims by immediately deleting fraudulent data without the usual reinvestigation procedure.

What happens with a Fraud Alert?

The fraud alert is displayed by each national credit reporting agency to all lenders or other users that access your credit reports in the future. Once notified a consumer has been a victim of ID fraud, lenders can then avoid opening a fraudulent account.