Dear Experian,

I placed a security freeze on my account and have misplaced the PIN needed to temporarily remove the freeze. How do I get a replacement PIN?

- MCH

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Dear Experian,

If a family member were to open college savings accounts in my children’s names, would that appear on a credit report? I’ve had to deal with identity errors with my husband, and I’m concerned that my sister would do this using her address and mess up my kid’s identities.

- CLE

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Dear Experian,

Can I use my employer tax ID number to repair my damaged credit?

- KMR

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Dear Readers,

The threat of identity theft this tax season leaves consumers with more to worry about than whether or not a tax return is in the mail. A thief may use sensitive information, such as a Social Security number, to claim a fraudulent tax refund, open fraudulent credit cards or commit other criminal acts. It is especially important to protect the personal financial information found in your tax returns.

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Tweet   Dear Readers, Everyone would like to make a love connection on Valentine’s Day, and online dating sites can be a great way to meet someone. Unfortunately, online dating services and social communities are prime targets for identity thieves who know how to prey upon the vulnerabilities of those seeking relationships. The Federal Bureau [...]

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Tweet Dear Readers, Consumers have reported receiving automated calls asking for their Social Security numbers and other personal information in order to opt out of marketing mailing lists. Under the Fair Credit Reporting Act (FCRA), Consumer Reporting Agencies (CRAs) are permitted to include your name on lists used by creditors or insurers to make firm [...]

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Dear Experian,

My apartment complex raised my fees because you reported, “APPLICANT: High Probability SSN Belongs to Another. There is an excellent chance that the Social Security number on the application belongs to someone else. This is highly indicative of fraudulent activity. Carefully verify the identity of the applicant before proceeding.” Does Experian make such claims?

- ATR

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Dear Experian,

I see that your report displays my bank account number, as well as several current account numbers for credit cards, etc. Does anyone who requests a credit report on me see all this personal information?

- GNG

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Dear Experian,

Can inquiries be removed from your credit report?

-VNT

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National Protect Your Identity Week is Oct. 20-27. Here are a few tips to help you protect your identity.

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Dear Experian,

How can I get a credit freeze on my report?

-FSG

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Dear Experian,

I do not want to lift my security freeze but want to apply for a new credit card. Is that possible to do without lifting the freeze?

-HPD

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Dear Experian,

I work for a school district and its information has been hacked. They advised us to contact the credit companies. What I should do to protect myself? They are not sure how much information was stolen, and the hackers are threatening to release the information to the public. Please tell me what I need to do.

- AAD

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Dear Experian,

Can a prospective employer get a credit score on me if I have a security freeze, or do I need to remove the security freeze?

- ARJ

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Dear Experian,

How do you remove an Active Duty Alert? I am not on active duty and have never been in the service, but I have an Active Duty Alert on my report and it is preventing me from getting a mortgage.

- MZN

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Dear Experian,

I returned from two weeks away from my house to find it had been burglarized. Among the missing items are some credit cards, and I have notified the card issuers. However, my Social Security number appears on an ID (with no other identifying information but my name and address) that appears to have been taken. What steps should I take to protect my credit? A neighbor advised me to ask you to request an alert.

- ARZ

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Dear Experian,

Someone is using my five-year-old daughter’s Social Security number. They already have two credit cards open under her number. What should I do?

- REN

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Dear Experian,

I have received a few inquiries involving debt owed to companies. I am 21 now, and the cases were for bills from 2004 till 2008. I was 14 at the time and in foster care. I am positive it was my mother, and I have letters from the government stating I was in Child Protective Services custody. Is this enough to dispute the charges?

- CTC

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Dear Experian,

Lately, someone has been tampering with my family’s mail. Mail pieces that contain card-like shapes have been rubbed down so that an impression of the card shows through on the outside of the envelope, and the mail piece containing my wife’s renewed driver’s license arrived opened (or at least unsealed). What should I do?

- YSS

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Dear Experian,

Is there a way to run a credit check on my daughter? Yesterday she received an application for a credit card. This shocked me because she is only eight years old? I do have a saving account open for her with a national lender. Would this have caused the credit to be established?

- NNI

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Dear Experian,

My credit report has two Social Security numbers on it. One is mine, the other I have never seen. What do I do?

- KAJ

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Dear Readers,

Data Privacy Day is Jan. 28, 2011. Here are some tips from Experian and ProtectMyID™ to help you become a safer, smarter user of new technology.

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Dear Experian,

About a year ago my checkbook was stolen. Whomever it was stolen by has continuously written bad checks in many places. I filed a police report and closed my bank account one week after I discovered my missing checkbook. I was honestly unaware that this would affect my credit report. How do I get all this fixed?

- CKE

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Dear Experian,

I do not have a Social Security number. Instead, I have an EIN number. Does the EIN number replace a Social Security number when placing a fraud alert?

- NKO

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Dear Experian,

Am I able to use my credit cards with a fraud alert?

- AJL

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