Credit Reporting Bureaus
Checking Credit Reports
Order a copy of your credit report at least once a year from each of the three credit bureaus listed to check for inaccuracies or fraudulent use of accounts. Even if you have not been the victim of identity theft, consider asking the credit bureaus to place a security alert on your account as a protective measure.
This alert instructs creditors to call you personally to verify applicant information. While this will mean that you can no longer get instant credit, such as on-site approval for store charge cards. It will also stop others from getting credit in your name. Be sure to ask how long the alert will be in effect and how to extend it if necessary.
Report fraud or request a copy of your credit report by contacting the three primary credit reporting bureaus:
P. O. Box 2104
Allen, TX 75013-2104
P. O. Box 740241
Atlanta, GA 30374-0241
Ph: 800.685.1111 (order report)
Ph: 800.525.6285 (report fraud)
P .O. Box 2000
Chester, PA 19022-2000
Ph: 800.888.4213 (request report)
Ph: 800.680.7289 (report fraud)
When you report fraud to one credit bureau, that report will automatically be sent to the other two agencies. Each company will then place a fraud alert on your account and send you a copy of your credit report for review.