Posts Tagged "fraud alert"

How to report identity theft and a fraudulent tax return

Dear Experian,

Someone tried to file an income tax return using our names and Social Security numbers, so I need to report identity theft to Experian. How do I do this?

– AHK

Freezing your credit file doesn’t affect current credit accounts

Dear Experian,

I just lost my driver’s license and am considering putting a security freeze on my credit files. Would placing a freeze on my credit files interfere with me using my credit card, either online, at shops or for the services that are automatically billed to my credit card each month?

– DBH

Changing the telephone number in a fraud alert

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 remove a fraud alert?

– KYC

Checking to see if your children have credit reports

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

Security freezes are not shared among the national credit reporting companies

Dear Experian,

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

– SCB

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

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

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

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

Fraud security alerts can slow mortgage approval

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

The effect of fraud security alerts on credit scores

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

The difference between a fraud alert and a security freeze

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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