A credit report New York

Send the letter to a credit report New York the address given for "billing inquiries," not the address for sending payments. Carefully monitor your mail and bills a credit report New York for evidence of new fraudulent activity. These should not be your mother's maiden name or any word that is easily guessed. Debt collectors. If debt collectors try to get you to pay the unpaid bills on fraudulent accounts, ask for the name of the collection company, the name of the person contacting you, phone number, and address. Tell the collector that you are a victim of fraud and are not responsible for the account. Ask for the name and contact information for the referring credit issuer, the amount of the debt, account number, and dates of the charges. Ask if they need you to complete their fraud affidavit form or whether you can use the FTC affidavit.

Follow up by writing a credit report New York to the debt collector explaining your situation. Ask that they confirm in writing that you do not owe the debt and that the account has been closed. Under new provisions a credit report New York in the FCRA, a debt collector must notify the creditor that the debt may be a result of identity theft. (§615(g)) The FCRA also prohibits the sale or transfer of a debt caused by identity theft. check credit score online (§615(f)) For additional information on dealing with debt collectors, a credit report New York read our Fact Sheet 27, which has a section for victims of identity theft at www.privacyrights.a credit report New York org/fs/fs27-debtcoll.htm#8 7. Check and banking a credit report New York fraud. If you have had checks stolen or bank accounts set up fraudulently, ask your bank to report it to ChexSystems, a consumer reporting agency that compiles reports on checking accounts. Also, place a security alert on your file (see web address below). Your bank should be able to provide you with a credit report New York a fraud affidavit. Put "stop payments" on any outstanding checks that you are unsure about. Close your a credit report New York checking account and other affected accounts and obtain new account numbers. my credit rating Give a credit report New York the bank a password for your account (not mother's maiden name, Social Security number, date of birth, pet's name, sequential numbers, or any other easily guessed words). If your own checks are rejected at stores where you shop, contact a credit report New York the check verification company that the merchant uses. TeleCheckFor annual file disclosureFraud, id theft department Under a new federal law, you now have a right to obtain any reports that these companies compile about you. For ChexSystems and any of the a credit report New York check verification companies listed here that you have had to contact as a result of your identity theft situation, we recommend that you request a credit report New York a copy of your file once a year. If not, you will find it difficult to open new bank accounts and/or write checks.

Visit the web sites listed above to learn how to order your free annual reports. And read the a credit report New York PRC's guide on these "specialty reports." www.privacyrights.org/fs/fs6b-SpecReports.htm 8.

ATM cards. If your ATM or debit card has been stolen or compromised , report it immediately. credit history reports

You may be liable if the fraud is not reported quickly. Start with a phone call and immediately follow up in writing. Be sure to read the debit card contract for information about liability. Some cards are better protected in cases a credit report New York of fraud than others. ATM and debit card transactions are subject to the Electronic Fund Transfer Act.

(15 USC §1693) Even if you are a victim of identity theft, your liability for charges can increase a credit report New York the longer the crime goes unreported.