- Contact the Credit Bureaus
You can report the potential identity theft to all three of the major credit bureaus by calling any one of the toll-free fraud numbers below. You will reach an automated telephone system that allows you to flag your file with a fraud alert at all three bureaus. You will also be sent instructions on how to get a copy of your report from each of the credit bureaus.
- What it means to put a fraud alert on your credit file.
A fraud alert helps protect you against the possibility of an identity thief opening new credit accounts in your name. When a merchant checks the credit history of someone applying for credit, the merchant gets a notice that there may be fraud on the account. This alerts the merchant to take steps to verify the identity of the applicant. A fraud alert lasts 90 days and can be renewed.
- Review your credit reports. Look through each one carefully.
Look for accounts you don’t recognize, especially accounts opened recently. Look in the inquiries section for names of creditors from whom you haven’t requested credit. Some companies bill under names other than their store names. The credit bureau will be able to tell you when that is the case. You may find some inquiries identified as "promotional." These occur when a company has obtained your name and address from a credit bureau to send you an offer of credit. Promotional inquiries are not signs of fraud. (You are automatically removed from lists to receive unsolicited offers of this kind when you place a fraud alert.) Also, as a general precaution, look in the personal information section for any address listed for you where you have never lived.
- If you find items you don't understand on your report, call the credit bureau at the number on the report.
Credit bureau staff will review your report with you. If the information can’t be explained, then you will need to call the creditors involved and report the crime to your local police or sheriff’s office. See the Identity Theft Victim Checklist www.oag.ca.gov/idtheft/information-sheets.
This fact sheet is for informational purposes and should not be construed as legal advice or as policy of the City of Palmdale. If you want advice on a particular case, you should consult an attorney or other expert. The fact sheet may be copied, if (1) the meaning of the copied text is not changed or misrepresented, (2) credit is given to the California Department of Justice, and (3) all copies are distributed free of charge. The information in this section has been provided by California’s Office of the Attorney General.