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.

Fraud Alert vs. Security Freeze

September 10, 2013

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....

Writing a Check When There is No Account

August 16, 2013

Dear Experian, Is writing checks on an account which has been closed considered illegal? - LXS

Adding a Fraud Alert Does Not Hurt Your Credit Score

August 16, 2013

Dear Experian, Does adding a security alert raise your credit score or affect it in any way? - WCB

Adding a Fraud Alert After Check Fraud

August 13, 2013

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...

Removing a fraud alert after verifying you are not a victim

July 17, 2013

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...

You Will Not Receive a Notice to Remove a Fraud Alert

July 3, 2013

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...

How to Add a Telephone Number to a Fraud Alert

July 3, 2013

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

Cancelling 7-year Fraud Alert to Qualify for Housing Program

June 20, 2013

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...

Fraud Alert Stopping Satellite TV Application

June 5, 2013

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...

Replacing a Lost Security Freeze PIN Number

May 22, 2013

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

Beware of Calls Offering Marketing Opt Out

February 13, 2013

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...

How to Add a Security Freeze to Your Credit File

October 24, 2012

Dear Experian, How can I get a credit freeze on my report? -FSG

Lifting a Credit Freeze to Apply for Credit

October 10, 2012

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

Security Breach Notification – What to Do Next

August 1, 2012

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...

Removing an Active Duty Alert

July 18, 2012

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...

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