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Credit Reports and Fraud Prevention

  • Check your credit reports from Equifax, Experian, and TransUnion — for free — by visiting www.annualcreditreport.com. Accounts or activity that you don’t recognize could indicate identity theft. Visit www.IdentityTheft.gov to find out what to do.

  • Consider placing a credit freeze on your files. A credit freeze makes it harder for someone to open a new account in your name. Keep in mind that a credit freeze won’t prevent a thief from making charges to your existing accounts.

  • Monitor your existing credit card and bank accounts closely for charges you don’t recognize and if available, set up security alerts.

  • You have the option to place a fraud alert on your files. A fraud alert warns creditors that you may be an identity theft victim and that they should verify that anyone seeking credit in your name really is you. https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs#place.

  • File your taxes early — as soon as you have the tax information you need, before a scammer can. Tax identity theft happens when someone uses your Social Security number to get a tax refund or a job. Respond right away to letters from the IRS.