If your identity has been stolen or if you want to find out if someone has been illegally using your name and private information, credit bureaus have made it simple to get a report.
Suspicion of Identity Theft
When one thinks that their identity has been stolen, all they have to do is call one of the three credit bureaus, Experien, Equifax, or TransUnion. This will alert them that suspicious activity may be taking place under their name.
Calling Credit Bureaus
When one calls the credit bureau of their choice, they will immediately contact the other two credit bureaus. The request for a free credit report will be processed within three days and fraud alert will be placed with the reporting companies within 24 hours.
Further Actions
Even though the credit bureaus will work with the victim to remove all fraudulent charges and/or account openings, the process will be expedited if the affected party files a police report. They will remove all fraudulent activity with a valid police report.
Credit Freeze
Consumers are also allowed to freeze any requests for credit while they are examining their reports to see if any fraudulent accounts have been opened.
Aftermath
After a suspicious activity has been reported to a credit bureau, the victim will no longer receive any notifications of pre-approved credit and insurance offers for two years. There is also the option to extend the credit alert for up to seven years.
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