Credit Advice » Fraud and Identity Theft

Fraud and Identity Theft

You can take steps to protect yourself from credit fraud and identity theft. Explore to learn more about the warning signs of fraud and what to do if you’re a victim of identity theft.

How to Identify Fraud

To identify fraud, you should carefully review your credit report:

  • Accounts: If you see a newly opened account that you don’t recognize, this could be a sign that a criminal obtained a line of credit using your identity.
  • Inquiries: In the “Requests viewed by others” section of your credit report, review the list of creditors for any names you don’t recognize.
  • Addresses: If you discover an address you’ve never lived at on your credit report, this could be a sign that someone has tried to obtain credit in your name.

How to Report Fraud

To report fraud to Experian, visit the Fraud center.

Dispute Fraud Charges on Compromised Credit Card Account

December 24, 2014

Dear Experian, We got our credit card information stolen when they hacked into a major retailer’s system. The fraud charges caused our credit card balance to go over the limit....

Changing the Phone Number in a Fraud Alert

November 24, 2014

Dear Experian, How do I go about changing my telephone number? Creditors have denied me credit because the phone number on my alert is not updated. How do I...

Name and Social Security Number Variations

November 1, 2014

Dear Experian, What do I do when two names and Social Security numbers are on one credit report? - KCH

Requesting Corrected Credit Report be Sent to Creditors

May 21, 2014

Dear Experian, Whom do I contact to request a corrected credit report be sent out to creditors? I was an identity theft/fraud victim and there were fraudulent inquiries on my...

How to Temporarily Lift a Security Freeze

March 13, 2014

Dear Experian, I need to lift the security freeze for 24 hours to buy a car. How do I do that? - PDT

Adding a Phone Number to a Temporary Fraud Alert

January 1, 2014

Dear Experian, I want to add my cell phone number to my file because I just put in a 90 day fraud alert. I noticed when I pulled my file...

Security Freeze is Not Shared Among Credit Reporting Agencies

December 18, 2013

Dear Experian, Does placing a security freeze at one credit agency extend to all three credit agencies like a fraud alert? - SCB

Be Proactive in Preventing Fraud

October 24, 2013

As National Protect Your Identity Week (Oct. 20–26) nears an end, think about how you can actively protect your identity. Here are several ways to use your credit report...

Identity Theft Can Lead to Jail

September 10, 2013

Dear Experian, Can a person actually go to jail for identity theft? I was just curious if someone can actually get in trouble for it, or if people just get...

Impact of Fraud Alerts when Checks and Debit Cards are Stolen

September 10, 2013

Dear Experian, My debit card and checks are being taken without my knowledge and being used. What can I do to protect myself? To stop everything the bank charges you...

Who is Notified When Your Credit File is Frozen

September 10, 2013

Dear Experian, I have a credit freeze. If someone tries to establish credit without my pin code, what is the exact response they get from you? Do you tell them...

Fraud Alert May Slow Loan Approval

September 10, 2013

Dear Experian, I recently lost my wallet, which contained my ATM card and my driver’s license. Although the card was cancelled within an hour of being lost, the person...

Responding to a Security Notice for a Frozen Credit File

September 10, 2013

Dear Experian, We have frozen our credit with you. We just received a letter from you saying that there has been a change in the name, Social Security number, or...

The Effect of Fraud Security Alerts on Credit Scores

September 10, 2013

Dear Experian, I was recently notified by a college that I attended that the admissions office computer files had been hacked into and that I should notify all three major...

What to Do When Items are Stolen from Your Car

September 10, 2013

Dear Experian, Last night, a fairly sophisticated ring apparently swept through my neighborhood stealing from cars. Unfortunately, my wallet was stolen with my driver’s license, and yes, stupidly, my Social...

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