Place a fraud alert on your credit reports, and review the reports carefully. The alert tells creditors to follow certain procedures before they open new accounts in your name or make changes to your existing accounts. In placing an initial 90-day fraud alert, a call to one company is sufficient:
- Equifax 800 525 6285
- Experian 888 397 3742
- TransUnion 800 680 7289
Look for enquiries from companies you haven’t contacted, accounts you didn’t open, and debts on your accounts that you can’t explain.
Close any account that has been tampered with or established fraudulently. Call the security or fraud division of each company where an account was opened or changed. Use the ID Theft Affidavit at ftc.gov/idtheft to support your statement. Ask for verification that the disputed account has been closed and fraudulent debts removed. Keep all copies and document all phone conversations.
If you know who opened the fraudulent account, file a police report.