Checking your credit
It is important to regularly review your credit reports from each of the three credit bureaus. Each report will look different and may contain different information. Each of the three credit bureaus is offering a free annual credit report along with valuable information about your credit.
Please visit annualcreditreport.com to access this information.
If you discover any incorrect or fraudulent information on your credit report, you should dispute it with the credit bureau directly. The Federal Trade Commission (FTC) has information about how to dispute errors on credit reports for more information visit the FTC site at Identitytheft.gov.
Credit Freeze vs. Fraud Alert
As a victim of ID Theft, there are certain rights protected by the federal government including the right to place a credit freeze or fraud alert on your credit. Placing a credit freeze or fraud alert does not hurt your credit score.
Below is a chart that displays the different options:
Contact the credit bureaus
Contact the three consumer credit bureaus and put a fraud alert or credit freeze on your name and Social Security number (SSN). It may be an automated system, so you may not talk to a live person and you will have to enter your SSN and date of birth.