  The Fair Credit Reporting Act
(FCRA) gives you specific rights when you are, or believe that you may
be, the victim of identity theft.
You have the right to ask that
nationwide consumer reporting agencies place “fraudalerts” on your
file to let potential creditors and others know that you are a victim
of identity theft.
A fraud alert can make it more
difficult for others and you to get credit in your name because it
tells creditors to follow certain procedures that protect them.
It also will interfere with your
ability to obtain credit.
You may place a fraud alert in your
file by calling just one of the three nationwide consumer reporting
agencies.
As soon as that agency
processes your fraud alert, it will notify the other two, which then
also must place fraud alerts in your file.
Do not do this until you have
seen all your credit reports online first! An initial fraud alert
stays in your file for at least 90 days.
It gets you a copy of all the
information in your credit
files at each of the three nationwide agencies.
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Please print this page before proceeding....
Warning! You will not be able to use online dispute
service's or view your credit
reports online, if you call and add a fraud statement by phone,
or mail a fraud statement before you check credit reports online.
Also because there has been fraud reported, you will have a hard time getting your own credit report mailed to you.
The process can take months and during that time your interest rates will go up. Companies will cancel your good credit cards and limits. ( The same companies that didn't do there due diligence and allowed this to happen to you in the first place). You won't be able to get a car loan, a mortgage or any type of loan.
This can go on for almost ten years!
I have seen that worst of all it seems for many people
with their personal business is out there for everyone to see, it takes a sociological and psychological toll on you, while the identity thieves, usually gang members and their accomplices working in the stores helping them perpetrate these crimes are living it up usually 1000's of miles away in LA, or some other gang infested area, you are stuck in a rut, no money, no friends in sight and paying exurbanite interest rates mortgages, loans, credit cards
caused by this. |
An extended alert stays in your
file for seven years. It entitles you to two free credit
file disclosures in a 12-month period following the placing of the
alert.
To place either of these alerts, a consumer
reporting agency will require you to provide proof of your identity,
which may include your Social Security number.
If you ask for an extended alert, you
will have to provide an identity theft report.
An identity theft report
includes a copy of a police report you have filed with a federal,
state, or local law enforcement agency.
Also additional information a
consumer reporting agency may require you to submit to them.
These additional
disclosures may help you detect signs of identity fraud, for example,
whether fraudulent accounts
have been opened in your name or with your SSN or whether someone has
reported falsely a change in your
address or phone number, or other identifying information.
Dispute Your Credit Report Online@ top right of
page
now.
Equifax®
Consumer Fraud Div.
P.O. Box 105496
Atlanta, GA 30348-5496
Tel: 800-997-2493
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