On request, any of the three nationwide consumer credit reporting companies can place a free fraud alert in your file to alert potential creditors that you may be a victim of identity theft; a fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you.
A fraud alert will help prevent someone from opening new accounts in your name. As soon as one credit reporting bureau confirms your fraud alert, the others are automatically notified to place fraud alerts as well. All three bureaus will mail you a confirmation letter and you will be able to order complimentary credit reports for your review.
The easiest way to place an alert is by visiting www.transunion.com or https://fraud.transunion.com/fa/fraudAlert.
You will answer some questions to confirm your identity, and then a 90-day fraud alert will be added to your credit file. TransUnion will give you access to view your report online. You should examine it carefully for accuracy. TransUnion will also share this information with Equifax and Experian who will both mail you confirmation letters containing a number to call to order complimentary copies of your credit reports for review.
To contact one of the credit reporting bureaus, please see below:
PO Box 740260
Atlanta, GA 30374
PO Box 9554
Allen, TX 75013
PO Box 2000
Chester, PA 19016
It is only necessary to contact one of these bureaus and use one of these methods.
You will not be charged for this service. Please note placing a fraud alert may delay your ability to open new lines of credit quickly.