Fraudulent letters and emails claiming to be from Experian

Experian discontinues myFICO agreement

Company falsely claiming to be Experian

Web site forgeries steal personal information

You may have received a widely circulated email that claims that as of July 1 credit reporting agencies can share your credit history with anyone, at any time for any reason.

The email is completely false. The federal Fair Credit Reporting Act specifies who can obtain a copy of your credit report and under what circumstances. That hasnít changed. To learn more about the FCRA and your rights.

You can also sign up for Triple Advantage our subscription service that provides unlimited access to your credit information as well automatic notification of adverse credit changes to your report.

The email also suggests you can opt out of the credit reporting process by calling a telephone number it lists. While you can opt out of pre-approved credit offers as well as marketing lists, you cannot opt out of the credit reporting system.

If you have already called and provided your information, you do not need to be concerned about your personal information being released. The telephone number listed in the false email is a real number maintained by the national credit reporting agencies; however, it does not do what the email suggests. Leaving your personal information will not opt you out of the credit reporting process. Instead, your name will be deleted from preapproved offer lists. The number may have been included in the otherwise fraudulent email to lend credibility to it. If you prefer to continue to be eligible to receive preapproved offers of credit that may interest you, simply call 1 888 5OPT OUT (1 888 567 8688) and select the option to OPT IN.

For more information on opting out of specific types of targeted advertising, please visit the Opt Out section for specific instructions on how to remove your name from direct mail, telemarketing, email and preapproved offers.

If you are concerned about your credit history, have never seen it or havenít reviewed it in a while, you can get a copy of your credit report instantly online at our Personal Services. You can also sign up for Triple Advantage our subscription service that provides unlimited access to your credit information as well automatic notification of adverse credit changes to your report.