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How can you recover from credit fraud?

If you think you have been a victim of identity theft or credit fraud, visit www.experian.com/fraud.

On the site, you can request a free initial security alert be added to your credit report to prevent further fraudulent activity.

The security alert lasts for 90 days and will notify creditors that your information may have been compromised. It displays on the credit report and asks potential creditors who view your report to verify the identification information used by an applicant before granting credit in your name.

When you add the alert you can also request a free copy of your credit report. You can then review the report and dispute any information that you believe is fraudulent.

If you find evidence of fraud, go to your local police department and file a police report or identity theft report. Provide a copy of the police report to Experian to request that a 7-year fraud victim statement be added to your credit report.

In severe cases of identity theft, you can request a security freeze. A security freeze is designed to prevent credit, loans and services from being approved in your name without your consent. If you are a victim of credit fraud, a credit freeze is free.

Keep in mind, a security freeze may delay or interfere with the timely approval of any subsequent requests or application you make regarding new credit, loans or services. Before applying you must request that the freeze be lifted and provide a PIN number in order to do so.

Additionally, Experian offers a product called Experian IdentityWorks to help safeguard your identity and credit.

Check out the scope to hear answers to all the questions asked:

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Do you have questions about credit?

Join our live video chat every Tuesday and Thursday at 3:00 p.m. ET on Periscope. Rod Griffin, Director of Public Education at Experian, is available to answer your questions live.
Scoped on: 6/13/2017

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