Where to get a free credit report online North Carolina

If you notice anything odd or anything you don’t recognize (such as a charge account you did not open) report it immediately. Sometimes, these errors are caused by mistakes made at the credit bureau, but they could be an indication that someone is using your identity. In either case, such mistakes could hurt your credit score. If you think you have been the victim of identity theft, take action at once: 1) Contact the three major credit bureaus and ask to speak to the fraud department. Explain that you have been the victim of identity theft (or believe you may have where to get a free credit report online North Carolina been) and ask that an “alert” be placed on your file. This will let anyone looking at your report where to get a free credit report online North Carolina know that you may have been the victim of fraud.

It will also mean that you will be alerted any time a lender asks to where to get a free credit report online North Carolina look at your file each time a lender does look at your file, it may be an indication that the identity thieves are trying to open a new account in your name. law free credit report When the lender sees that the person applying is not you, they will deny the thieves credit and in most cases the where to get a free credit report online North Carolina criminals will stop trying to where to get a free credit report online North Carolina access your identity. Most alerts on your file last 90 or 180 days but you can extend this period to several years by asking the credit agencies for an extension of the “fraud alert” in writing.

In some states, you can even ask for a freeze to be placed where to get a free credit report online North Carolina on your credit score and credit report which will prevent where to get a free credit report online North Carolina anyone but yourself and those creditors you already have from accessing your file. free instant credit report online

Any lenders the thieves contact to set up a new account will be refused access and the thieves will not be able to get any more money in your name. You are entitled to a free where to get a free credit report online North Carolina copy of your credit report if you have been the victim of identity theft.  Be sure to take advantage of this offer so where to get a free credit report online North Carolina that you can check exactly how your credit has been affected. 2) Call the Federal Trade Commission (FTC) at 1-877-438-4338.  This is the special hot line that the FTC has set up to help customers deal with fraud and identity theft. You will be able to get up-to-date information about your rights and advice as to what you can do to improve your credit score and keep in safe in the future. Identity theft is a crime and you need to file a police report (be sure to keep a copy of this report) so that you can help the police potentially where to get a free credit report online North Carolina catch the criminals responsible. Contacting the police will also give where to get a free credit report online North Carolina you a paper trail and proof that a crime has where to get a free credit report online North Carolina been committed. get your free credit report online Keeping a paper where to get a free credit report online North Carolina trail of the crime and your response will make it where to get a free credit report online North Carolina easier for you to repair where to get a free credit report online North Carolina your credit if it has been damaged by identity thieves.