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To establish a fraud alert, you can call the toll-free number of one of the three credit bureaus and report that you suspect or know you have been a victim of ID theft. If you contact one bureau, they are obligated to notify the other two. However, it's not a bad idea to contact all three, if only for your own peace of mind.
Trans Union: 1-800-680-7289; www.transunion.com; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790
Equifax: 1-800-525-6285; www.equifax.com; P.O. Box 740241, Atlanta, GA 30374-0241
Experian: 1-888-EXPERIAN (397-3742); www.experian.com; P.O. Box 9532, Allen, TX 75013
You are entitled to a free copy of your credit report from each reporting bureau as soon as you have placed your fraud alert on file. You may also request to only have the last four digits of your social security number appear on your credit reports if you ask. Make sure that all the information listed on your credit reports is correct, and to follow up with companies of unexplained accounts, or accounts that have been tampered with to remove those inconsistencies. You may get faster results if you send your police Identity Theft Report with a cover letter when following up with your creditors.
Get started Start Your ID Theft Affidavit Answer a few questions. We'll take care of the rest.