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Obtain a free credit report if you are a vicitm of identity theft

  • September 24, 2012
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  • Comments Off on Obtain a free credit report if you are a vicitm of identity theft

A victim of identity theft must dispute fraudulent accounts on their credit report. The only way to get that started is by obtaining a copy of your credit report.

By law you are entitled to a free copy of your credit report from Transunion, Equifax and Experian.

I recommend you either call or mail for your report.

1) Call (877) 322-8228.

2) By mail click here

What if you already ordered your free credit report for the year?

If you are or suspect you are a victim of identity theft then you can obtain a free copy of your credit report over and above your annual limit.

Under federal law, the Fair Credit Reporting Act §612 gives you that right. Send in a letter that says something like this:

I am requesting a free copy of my credit report because I am a victim of fraud.  Please include a fraud alert in my file and provide me a free copy of my consumer report.  Appropriate proof of my identity is enclosed.

This letter is my assertion in good faith that I have been or am about to become a victim of fraud or related crime.  I believe I am and/or am about to become a victim of fraud.  I have been threatened with debt collection and negative credit reporting for accounts which I did not authorize and I believe an identity thief is using my information.  For this reason, I need to address this fraud as quickly as possible.  This is why I am requesting you send my credit report within three days.

For your reference, this is my current personal information:

Name:                                                                                                                                                

Address:                                                                                                                                     

                                                                                                                                               

                                                                                                                                               

Social Security Number:                                                     Date of Birth:                                    

Tel. (daytime):                                                     Tel. (evening):                                                

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