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Identity Theft and Credit Freeze

February 6th, 2008 10:02 PM by Sam Kader MLO130505

If you need to freeze your credit because of theft identity, please write to the following credit bureaus along with proofs they required:

  • Equifax Security Freeze 800-525-6285- P.O. Box 105788, Atlanta, GA 30348. Mail it by certified mail along with past two years proof of current address such as utility bill, social security number and date of birth. 
  •  Experian 888-397-3742 - P.O. Box 9554, Allen, TX 75013. Mail it by certified mail and include full name with middle, initial and Jr./Sr. etc. Include current address and previous addresses for past two years, Social Security number, birth date and two proofs of residence such as driver's license and a recent utility bill, insurance statement or bank statement.  
  • TransUnion 800-680-7289 - Fraud Victim Assistance Department - P.O. Box 6790, Fullerton, CA 92834. Send request by certified mail and include full name with middle, initial and Jr./Sr., etc and include current address and previous addresses for past two years, Social Security Number and birth date. 

File a complaint with the Federal Trade Commission and file a police report. Get a copy of the report not just a case number. If there have been unauthorized charged on your accounts, act quickly. Call the company and ask for a fraud form. With credit cards you only will be held liable for $50 if your report within 60 days. With debit cards the sonner the better.  If you report within 2 days, you are liable for $50 according to ITRC. 

Signs that your identity has been compromised:

  • Bills that don't arrive when expected
  • Denial of credit for unknown reasons.
  • Calls or letters about purchases you have not made.

Help prevent identity theft by shredding all financial documents with your personal information. Only give our social security number when absoluteley necessary. Never give out personal information on the phone through the mail unless you know who you're dealing with.

 

Posted in:General
Posted by Sam Kader MLO130505 on February 6th, 2008 10:02 PM

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