Fraud and ID Theft

Social Security number variations not necessarily result of fraud

Posted on Aug 27 2014 by

Dear Experian,

I was told by the bank that Experian was reporting the incorrect Social Security number. How do I verify the information that Experian has on file for me?

- TTM

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Correcting an address in your credit report

Posted on Feb 26 2014 by

Dear Experian,

I need to dispute an incorrect mailing address on my credit file. What is the process to correct my address?

- FLR

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Checking to see if your children have credit reports

Posted on Feb 12 2014 by

Dear Experian,

How do I check to see if my children have open credit reports? The form requires a driver’s license number, which they do not have.

- WMV

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Adding telephone number to temporary fraud alert

Posted on Jan 01 2014 by

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 up online, you only show my home number. When I call the numbers on the letter I received, it just wants me to order a report. I already have the online report.

- MSP

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Security freezes are not shared among the national credit reporting companies

Posted on Dec 18 2013 by

Dear Experian,

Does placing a security freeze at one credit agency extend to all three credit agencies like a fraud alert?

- SCB

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National Protect Your Identity Week reminds us to be proactive in preventing fraud

Posted on Oct 24 2013 by

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 to identify unauthorized activity and stop possible identity fraud before suffering potential financial loss.

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Requesting a security freeze for a minor child’s credit report

Posted on Oct 09 2013 by

Dear Experian,

I’m concerned that someone may use my minor child’s identification information fraudulently and I want to take precautions. How can I request a security freeze on a minor’s credit file?

- SRD

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How to request a credit report if you are incarcerated

Posted on Oct 09 2013 by

Dear Experian,

How does an inmate go about getting a credit report? Where can he get the proper forms to fill out without access to the internet?

- NTP

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Individual Taxpayer ID number cannot be used in place of Social Security number

Posted on Sep 12 2013 by

Dear Experian,

I’m trying to request a dispute on my credit report, but it asks me for a credit report number. I have tried to request my annual free report but I can’t since I don’t have a Social Security number. I do have an ITIN number but the system won’t accept it. What are my options?

- LPQ

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Identity theft can land a fraudster in jail

Posted on Sep 10 2013 by

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 away with it!

- IMM

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The impact of fraud alerts when checks and debit cards or stolen

Posted on Sep 10 2013 by

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 money, of course. The retailer obviously doesn’t check identification. What are my options? My bank account was drained. Who do I turn to? I thought the fraud alert helped.

- SGT

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Who is notified when your credit file is frozen

Posted on Sep 10 2013 by

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 that they can not establish new credit because the account is frozen?

- HEV

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Fraud alert may slow loan approval but shouldn’t prevent it

Posted on Sep 10 2013 by

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 made one successful purchase with it. My concern is that they now have my driver’s license, which did not have my Social Security number on it. I understand that I can flag my SSN with the credit bureaus to report any fraudulent activity. Although I have a credit rating in the 800′s, will this flag prevent me from obtaining a car loan that I will be seeking in the near future? Is this flag something you would recommend even though my Social Security number wasn’t on my license?

- AAR

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Credit report may be hurt by joint lease, utilities with roommates

Posted on Sep 10 2013 by

Dear Experian,

My daughter is in the process of looking for a new apartment and obtained a copy of her credit report. She found her credit is “fair.” She also found her roommate’s name, Social Security number, rental history and other information listed on the report. This was quite shocking to my daughter. She is very upset. They each signed a year’s lease which expired a few months, ago. They are now on a month-to-month basis. She knows her roommate is frequently delinquent on her bills. In particular, she knows this is true in regard to their monthly rent. My daughter pays her portion on time.

Why is my daughter’s roommate listed on my daughter’s credit report? What part of the roommate’s financial life, if any, comes into play on my daughter’s credit score? How long will the roommate’s financial history and habits reflect on my daughter’s report? How can my daughter become a single entity as far as her credit is concerned?

- RBH

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Responding to a security notice for a frozen credit file

Posted on Sep 10 2013 by

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 address in our credit report. Are we in any danger of identity theft since we have already frozen our credit? We don’t want to order another credit report, so is there a way to speak to someone to find out what the problem is?

- RRO

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Fraud security alerts can slow mortgage approval

Posted on Sep 10 2013 by

Dear Experian,

I recently placed a 90-day fraud security alert on my credit history though Experian. Will that affect my ability to be approved for a mortgage?
- ITR

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The effect of fraud security alerts on credit scores

Posted on Sep 10 2013 by

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 credit bureaus to flag my credit history in case of identity theft. Does this “flagging ” of my credit affect my FICO score?
- LBS

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What to do when items are stolen from your car

Posted on Sep 10 2013 by

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 Security card.

Worse, an external hard drive was also taken that had tons of personal, financial information. While much of it was in a password protected document, there was also several years’ worth of statements from many of my accounts.

What is the best way to protect yourself if you feel someone may have every bit of information they would need including account numbers, Social Security numbers, etc? How can you feel secure beyond the initial 90 days?

- EER

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The difference between a fraud alert and a security freeze

Posted on Sep 10 2013 by

Dear Experian,

What is and where can I find my Security Freeze Personal Identification Number? I have an extended fraud alert on my credit report and would like it removed. I have drafted and put together all the information to send to have it removed; however, I am lacking this Security Freeze Personal Identification number.

- IDR

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Spouse’s credit file must be frozen separately with each credit reporting company

Posted on Aug 28 2013 by

Dear Experian,

My credit report is frozen. Most of my accounts are joint with my wife. Is my wife’s report automatically frozen as well, or do I have to freeze hers separately?

- CPT

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Freezing your children’s credit histories

Posted on Aug 24 2013 by

Dear Experian,

I have two young children (both under the age of four). Because I have heard of even young children being the victims of identity theft, I am considering freezing their credit files until they are old enough to have their first credit cards. What is your opinion on this? Is it possible for a parent to freeze the credit of a minor? Would you do this for your own children?

- CJT

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The consequences of writing a check when there is no account

Posted on Aug 16 2013 by

Dear Experian,

Is writing checks on an account which has been closed considered illegal?

- LXS

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Adding a fraud alert does not hurt credit scores

Posted on Aug 16 2013 by

Dear Experian,

Does adding a security alert raise your credit score or affect it in any way?

- WCB

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Adding a fraud alert after check fraud

Posted on Aug 13 2013 by

Dear Experian,

I was a victim of check fraud. I was told I’m entitled to seven years of free fraud alerts as long as I have a police report. Is this true? The bad checks are rolling in now, and I am concerned that they might have opened up credit in our names as well.

- GID

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Removing a fraud alert after verifying you are not a victim

Posted on Jul 17 2013 by

Dear Experian,

Is it a problem if I do not remove a fraud alert once I have confirmed that no breach was possible? Or do I have to remove the alert? I assume having the alert for 90 days is OK since I can prove who I am and do not expect to apply for any new credit.

- AJY

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