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Placing the fraud alert means that your file will be flagged and that creditors are required to call you before extending credit. Consider using a cell phone number if you have one. We recommend that you do not choose to call Experian. You will be subject to a marketing pitch for their "free" credit management credit score report free Erie tools. If you fail to cancel the service within 30 days, your credit card will automatically be charged for the service.

Under new provisions of the Fair Credit Reporting Act (FCRA, §605A) you can place an initial fraud alert for only 90 days. The credit bureaus will each mail you a notice of your rights as an identity theft victim. credit report request Once you receive them, contact each of the three bureaus immediately to request two things: You may request that only the last four digits of your Social Security number (SSN) appear on the credit report. You must have evidence of attempts to open fraudulent accounts and an identity theft report (police report) to establish the seven-year alert. In all communications with the credit bureaus, you will want to refer credit score report free Erie to the unique number assigned to your credit report and use certified, return receipt mail. credit report government free

Be sure to save all credit reports as part of your fraud documentation file. Once you have received your three credit reports, examine each one carefully. Report fraudulent accounts and erroneous information in writing to both the credit bureaus and the credit issuers following the credit score report free Erie instructions provided with the credit reports.

The FTC’s identity theft guide provides a sample letter to send to the credit bureaus requesting that fraudulent accounts be blocked. http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt04.pdf (scroll down to find letter) Once you notify the credit bureaus about the fraudulent accounts, the bureau is required to block that information from future reports. how to order free credit report The bureau must also notify credit score report free Erie the credit grantor credit score report free Erie of the fraudulent account.