The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe that you may be, the victim of identity theft.

You have the right to ask that nationwide consumer reporting agencies place “fraudalerts” on your file to let potential creditors and others know that you are a victim of identity theft.

A fraud alert can make it more difficult for others and you to get credit in your name because it tells creditors to follow certain procedures that protect them.

It also will interfere with your ability to obtain credit.

You may place a fraud alert in your file by calling just one of the three nationwide consumer reporting agencies.

 As soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file.

 Do not do this until you have seen all your credit reports online first!

An initial fraud alert stays in your file for at least 90 days.

It  gets you a copy of all the information in your credit
files at each of the three nationwide agencies.

Please print this page before proceeding....

Warning! You will not be able to use online dispute service's or view your credit reports online, if you call and add a fraud statement by phone, or mail a fraud statement before you check credit reports online.

Also because there has been fraud reported, you will have a hard time getting your own credit report mailed to you.

 The process can take months and during that time your interest rates will go up. Companies will cancel your good credit cards and limits. ( The same companies that didn't do there due diligence and allowed this to happen to you in the first place). You won't be able to get a car loan, a mortgage or any type of loan. This can go on for almost ten years!

 I have seen that worst of all it seems for many people with their personal business is out there for everyone to see, it takes a sociological and psychological  toll on you, while the identity thieves, usually gang members and their accomplices working in the stores helping them perpetrate these crimes are living it up usually 1000's of miles away in LA,  or some other gang infested area, you are stuck in a rut, no money, no friends in sight and paying exurbanite interest rates mortgages, loans, credit cards caused by this.

 To place either of these alerts, a consumer reporting agency will require you to provide proof of your identity, which may include your Social Security number.

If you ask for an extended alert, you will have to provide an identity theft report.

 An identity theft report includes a copy of a police report you have filed with a federal, state, or local law enforcement agency.

 Also additional information a consumer reporting agency may require you to submit to them.

These additional
disclosures may help you detect signs of identity fraud, for example, whether fraudulent accounts
have been opened in your name or with your SSN or whether someone has reported falsely a change in your
address or phone number, or other identifying information.

Equifax^®

For TransUnion Credit Disputes Click Here then click on the Tab Labeled Disputing!
TransUnion™
 TransUnion Fraud Victim Assistance Department
P.O. Box 6790
Fullerton, CA 92834

Go to http://www.experian.com*

Experian^®
P.O. Box 2104
Allen, TX 75013-2104
Tel: 888-397-3742

 Go to file a Dispute with Chex systems®*.

Go to file a Dispute with Scan™*.