Free credit annual report Birmingham

Both federal and California law give you the right to obtain these documents. The California Office of Privacy Protection provides instructions and sample letters on how to obtain documentation from credit grantors, www.privacy.ca.gov/cis3aenglish.htm A victim of identity theft must provide a copy of the FTC affidavit or another affidavit acceptable to the business, plus government-issued identification, and a copy of an "identity theft report" (police report) in order to obtain the documents created by the imposter. The business must provide copies of these records to the victim within 30 days free credit annual report Birmingham of the victim's request at no charge.

The law also allows the victim to authorize a law enforcement investigator to get access to these records. When you free credit annual report Birmingham have resolved the fraudulent account with the creditor, ask for a letter stating that the company has closed the disputed account and has discharged the debts. You may need it if the account reappears on your credit report. You must also notify the credit bureaus about the fraudulent accounts. Handling problems with your existing credit or debit accounts. If your free credit annual report Birmingham existing credit or debit accounts have been used fraudulently, report it in writing immediately free credit annual report Birmingham to the credit card company. Request replacement cards with new account numbers. check credit score online In addition to phoning the credit card company regarding the fraud, you will need to free credit annual report Birmingham follow up in writing and will likely be asked to provide a fraud affidavit or a dispute form. Send the letter to the address given for "billing inquiries," not the address for sending payments. Carefully monitor your mail and bills for free credit annual report Birmingham evidence of new fraudulent activity. These should not be your mother's maiden name or any word that is easily guessed. Debt collectors. If debt collectors try to get you to pay the unpaid bills on fraudulent accounts, ask for the name of the collection company, the name of the person contacting you, phone number, and address. Tell the collector that free credit annual report Birmingham you are a victim of fraud and are not responsible for the account. Ask free credit annual report Birmingham for the name and contact information for the referring credit issuer, the amount of the debt, account number, and dates free credit annual report Birmingham of the charges. business credit reports Ask if they need you to complete their fraud affidavit form or whether you can use the FTC free credit annual report Birmingham affidavit. Follow up by writing to the debt collector explaining your situation. Ask that they confirm in writing that you do not owe the debt and that the account has been closed. Under new provisions in the FCRA, a debt collector must notify the creditor that the debt may be a result of identity free credit annual report Birmingham theft. (§615(g)) The FCRA also prohibits the sale or transfer of a debt free credit annual report Birmingham caused by identity theft. (§615(f)) For additional information on dealing with debt collectors, free credit annual report Birmingham read our Fact Sheet 27, which has a section for victims of identity theft at www.privacyrights.org/fs/fs27-debtcoll.htm#8 7. Check and banking fraud. If you have had checks stolen or bank accounts set up fraudulently, ask your bank to report it to ChexSystems, a consumer reporting agency that compiles reports on checking accounts.

Also, place a security alert on your file (see web address below). Your free credit annual report Birmingham bank should be able to provide you with a fraud affidavit. Put "stop payments" on any outstanding checks that you are unsure about. Close your checking account and other affected accounts and obtain new account numbers. Give the bank a password for your account (not mother's maiden name, Social Security number, date of birth, pet's name, sequential numbers, or any free credit annual report Birmingham other easily guessed words). new free credit report If your own checks are rejected at stores where free credit annual report Birmingham you shop, contact the check verification company free credit annual report Birmingham that the merchant uses.

TeleCheckFor annual file disclosureFraud, id theft department Under a new free credit annual report Birmingham federal law, you now have a right to obtain any reports that these companies compile about you. For ChexSystems and any of the check verification companies listed here that you have had to contact free credit annual report Birmingham as a result of your identity theft situation, we recommend that you request a copy of your file once a year.