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What should you do in case of an Identity Theft (Credit Cards) ?
· As a preliminary step, you should consider contacting the fraud departments of each of the three major credit bureaus in the United States. If they have credit information about you in their files, which at least one of these bureaus will likely have if you have ever applied for credit in the United States, you can request that a “fraud alert” be placed in your file. You may also request that a statement be entered in your account informing potential creditors that no “pre-approved” credit applications should be sent out in your name. You may also ask their fraud departments to place a statement that asks all creditors to call you before opening any new accounts or changing any existing accounts. You should check your credit reports with these bureaus on an annual basis. The credit bureau fraud departments are listed below: TransUnion Fraud Victim Assistance Department Phone: 800-680-7289 P.O. Box 6790 Fax: 714-447-6034 Fullerton, CA 92834 Equifax Credit Information Services Consumer Fraud Division Phone: 800-525-6285 P.O. Box 105069 Atlanta, GA 30348 Experian Experian’s National Consumer Assistance Phone: 888-397-3742 P.O. Box 1017 Allen, TX 75013 · You should close or suspend any accounts you know or believe have been tampered with or opened fraudulently.
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