Defend Against Identity Theft

‘Defend’ tips to share with consumers

1. Place a "Fraud Alert" on your credit reports. A fraud alert on your credit report tells creditors to follow certain procedures before they open any new accounts in your name or make changes to your existing accounts. Each of the three nationwide consumer reporting companies has a toll-free number you can use to place an initial fraud alert. Only one call is necessary; the company you call will notify the other two. An initial fraud alert is active for 90 days. If you want to place an extended (seven-year) fraud alert, you must follow additional procedures.
2. • Equifax: 1-800-525-6285
   • Experian: 1-888-EXPERIAN (397-3742)
   • TransUnion: 1-800-680-7289

   Placing a fraud alert entitles you to free copies of your credit reports. Look for inquiries from companies you haven't contacted, accounts you didn't open, and debts on your accounts that you can't explain.

3. Close accounts. Close any accounts that have been tampered with or established fraudulently.
4. • Start by calling the security or fraud departments of each company where an account was opened or changed without your authorization. Follow up in writing and include copies of supporting documents.
   • Use the "ID Theft Affidavit," available at ftc.gov/idtheft, to support your written statement.
   • Get written verification that the disputed account has been closed and the fraudulent debts have been discharged.
   • Keep copies of documents and records of your conversations about the theft.
5. File a police report. File a report with law enforcement officials -- for example, state or local police. It will help you work with creditors who may request documentation that a crime has occurred.

    

    

6. Report the theft to the Federal Trade Commission. Your information helps law enforcement officials across the country with their investigations.
7. • Online: ftc.gov/idtheft
   • By phone: 1-877-ID-THEFT (438-4338), or TTY,1-866-653-4261
   • By mail:
     Identity Theft Clearinghouse
     Federal Trade Commission
     600 Pennsylvania Ave, NW
     Washington, DC 20580

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