Posts Tagged ‘ identity theft ’

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

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How to temporarily lift a security freeze

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

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Correcting an address in your credit report

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

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

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

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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Identity theft can land a fraudster in jail

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

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

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

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

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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How a minor may have a credit report

Dear Experian, I am teaching a class at a local high school about credit fraud. A teacher mentioned to me that her daughter, who is under 12 years of age, has credit according to one of the credit reporting companies. How is this possible? - RDE

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What to do when items are stolen from your car

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

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

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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Sharing the security code on your credit card

Dear Experian, I purchased something by phone recently and was asked for the security code on the back of my credit card. I thought it was strange, but she said she needed it to complete the transaction. I heard on the news that you should never give that out. Is that true? - EGX

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Adding a fraud alert after check fraud

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

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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You will not receive a notice to remove a fraud alert

Dear Experian, I have not been contacted to lift a fraud alert on my account to approve a recent credit inquiry. Should I receive a request to remove the alert when I apply for credit? - JWL

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How to add a telephone number to a fraud alert

Dear Experian, How do I add a telephone number to an extended credit alert? - LKK

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Unrecognized Social Security number could indicate fraud

Dear Experian, My Social Security number is reporting incorrectly. How can I get this fixed? - BWR

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Cancelling 7-year fraud alert to qualify for housing program

Dear Experian, How do I cancel a 7-year fraud alert once I create it? I am in the process of looking for new housing and believe I would have to rather quickly cancel the fraud alert once it is created if I hear that low income housing programs are in the process of checking my credit. I would not want this fraud alert to have a negative effect on my credit status. - SRV

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Fraud alert stopping satellite TV application

Dear Experian, I cannot sign up for satellite television because they say we have a fraud alert attached to our credit history. We do not need a fraud alert. How do we get rid of it? - FCS

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Replacing a lost security freeze PIN number

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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College savings account won’t appear on credit report or risk child’s identity

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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