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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. The bureau must also notify 3 credit report Houston the credit grantor of the fraudulent account.

(FCRA, §605B) Ask the credit bureaus for names and phone numbers of credit grantors 3 credit report Houston with whom fraudulent accounts have been opened if this information is not included on the credit report. free official credit report In addition, instruct the credit bureaus in writing to remove inquiries that have been generated due to the fraudulent access. You may also ask the credit bureaus to notify those who have received your credit report in the last six months to alert them to the disputed and erroneous information (two years for employers).

Under California law, when 3 credit report Houston you provide a copy of the police report 3 credit report Houston to the credit bureaus, they must remove the fraudulent accounts from 3 credit report Houston your credit report. free credit report georgia Monitor your credit reports. Be aware that these measures may not entirely prevent new fraudulent accounts from being opened by the imposter. Credit issuers do not always pay attention to fraud alerts, even though the law now requires it.

That is why we recommend that you check your credit reports again in a few months. The federal FACTA law enables you to receive a free credit report per year from each of the three credit bureaus. (FCRA §612) This is over and above the free reports you can order when you place fraud 3 credit report Houston alerts on your three credit reports. credit report