Credit report and credit score Chattanooga

Carefully monitor your mail and bills for evidence of new fraudulent activity. These should not be your mother's maiden name or any word that is easily guessed. Debt collectors. If debt collectors credit report and credit score Chattanooga try to get you to credit report and credit score Chattanooga pay the unpaid bills on fraudulent accounts, ask for the name of the collection company, the credit report and credit score Chattanooga name of the person contacting you, phone number, and address. Tell the collector that you are a victim of fraud and are not responsible for the account.

Ask for the name and contact information for the credit report and credit score Chattanooga referring credit issuer, the amount of the debt, account number, credit report and credit score Chattanooga and dates of the charges. Ask if they need you to complete their fraud affidavit form or whether you can credit report and credit score Chattanooga use the FTC affidavit. Follow up by writing to the debt collector explaining your situation. Ask that they confirm in writing that you do not owe the debt and that the account has been closed.

Under new provisions in the FCRA, credit report and credit score Chattanooga a debt collector must notify the creditor that the debt may credit report and credit score Chattanooga be a result of identity theft. official free credit report

(§615(g)) The FCRA also prohibits the sale or transfer of a debt caused by identity theft.

(§615(f)) For additional information on dealing with debt collectors, read our Fact Sheet 27, which has a section for victims of identity theft at www.privacyrights.org/fs/fs27-debtcoll.htm#8 7. Check and banking fraud. If you have had checks stolen or bank accounts set up fraudulently, ask your bank to credit report and credit score Chattanooga report it to ChexSystems, a consumer reporting agency that compiles reports credit report and credit score Chattanooga on checking accounts.

Also, place a security alert on your file (see web address below). Your bank should be able to provide you with a fraud affidavit.

Put "stop payments" on any outstanding checks that credit report and credit score Chattanooga you are unsure about. online credit card fraud Close your checking account and other affected accounts and obtain new account credit report and credit score Chattanooga numbers. Give the bank a password for your account (not mother's maiden name, Social Security number, date of birth, pet's name, sequential numbers, or any other easily guessed words). If your own checks are credit report and credit score Chattanooga rejected at stores where you shop, contact the check verification company that the merchant uses. TeleCheckFor annual file disclosureFraud, id theft department Under a new federal law, you now have credit report and credit score Chattanooga a right to obtain any reports credit report and credit score Chattanooga that these companies compile about you. For ChexSystems and any of the check verification companies credit report and credit score Chattanooga listed here that you have had to contact as a result of your identity theft credit report and credit score Chattanooga situation, we recommend that you request a copy of your file once a year. If not, you will find it difficult to open new bank accounts and/or write checks. Visit the credit report and credit score Chattanooga web sites listed above to credit report and credit score Chattanooga learn how to order your free annual reports. credit report free And read the PRC's guide on these "specialty reports." www.privacyrights.org/fs/fs6b-SpecReports.htm 8. ATM cards. If your ATM or debit card has been stolen or compromised , report it immediately. You may be liable if the credit report and credit score Chattanooga fraud is not reported quickly. Start with a phone call and immediately follow up in writing.