Credit online report San Antonio

Be sure to check your credit rating with each credit bureau, too. If you notice anything odd or anything you don’t recognize (such as a charge account you did not credit online report San Antonio open) report it immediately.

Sometimes, these errors are caused by mistakes made at the credit bureau, but they could be an indication that someone is using your identity. In either case, such mistakes could hurt your credit score. If you think you credit online report San Antonio have been the victim of identity theft, take action at once: 1) Contact the three major credit bureaus and ask to speak to the fraud department. Explain that you have been the victim of identity theft (or believe you may have been) and ask that an “alert” be placed on your file. This will let anyone looking at your report know that you may have been the credit online report San Antonio victim of fraud. credit score and report

It will also mean that you will be alerted any time a lender asks to look at your file each time a lender does look at your file, it may be an indication that the identity thieves are trying to open a new account in your name. When the lender sees that credit online report San Antonio the person applying is not you, they will deny the thieves credit and in most cases the criminals will stop trying to access your identity. Most alerts on your file last 90 or 180 days but you can extend this period to several years by asking the credit agencies for an extension of the “fraud alert” in writing. free credit report georgia In some states, you can even credit online report San Antonio ask for a freeze to be placed on your credit score and credit report which will prevent anyone but yourself and those creditors you already have from accessing your file. Any lenders the thieves contact to set up a new account will be refused access and the thieves will not be able to get any credit online report San Antonio more money in your credit online report San Antonio name.

You are entitled to a free copy of your credit report if you credit online report San Antonio have been the victim of identity theft.  Be credit online report San Antonio sure to take advantage of credit online report San Antonio this offer so that you can check exactly how your credit has been affected. 2) Call the Federal Trade Commission (FTC) at 1-877-438-4338.  This is the special hot line that the FTC has set up to help customers deal with fraud and identity theft. free creditreport You will be able to credit online report San Antonio get up-to-date information about your credit online report San Antonio rights and advice as to what you can do to improve your credit credit online report San Antonio score and keep in safe in the future. Identity theft is a crime and you need to file a police report (be sure to keep a copy of this report) so that you can help the police credit online report San Antonio potentially catch the criminals responsible.