Credit Reporting Agencies - Check Credit Report Identity Theft

You have the right to see your personal credit file held by credit reporting agencies. This service is free in some places, and in others there may be a small administrative fee. It is a good idea to check this file occasionally if you think you may be exposed to the risk of identity theft.

One particularly vulnerable time is when you have moved house and your mail deliveries may have gone astray. Accordingly, a check of your credit file around three months after the date you move is strongly recommended.

Look for activity being reported on your file involving companies with which you know you have had no contact, or other transactions that you do not recognise. This may indicate your identity is being misused by someone, especially if you have other indications from elsewhere that something unusual is happening in your affairs. Perhaps you received a bill for something you did not buy, for example.

If you have reason to think your credit standing may have been threatened by identity theft, you should advise the credit reporting agencies that you may have been the victim of identity theft fraud. You may be asked to give your reasons for thinking that to help with any investigation. You may receive further guidance on what steps you should take given the nature of the suspected theft.

In the USA, you should issue a fraud alert to the three main credit-reporting agencies - the first one you call will probably undertake to issue it on to the others if you ask:

In the UK the following are the equivalent contacts:

A fraud alert ensures that credit and identification checks are made more thoroughly, which may be an inconvenience to you, but which reduce the risk of your identity being successfully stolen.

In the UK, if you suspect your identity is being misused you can also lodge an alert with http://www.cifas.org.uk, which advises it's members to take special care about confirming the identification of the applicant - including you - if your identity is used to obtain credit, open a bank account, apply for state services, etc.

Other countries will have similar organizations.

 Information Security and ID Theft
 What Identity Theft is About
 How Identity Theft Works
 Signs of Identity Theft
 Identity Theft Credit Repair
 Identity Theft in the UK
 Type of Identity Theft
 Why People Commit ID Theft
 Criminal Identity Theft
 Information About Identity
 Passport Identity Theft
Credit Card ID Theft
 Credit Card Identity Theft
 Pre Approved Credit Cards
 Debit and ATM Card Identity Theft
ID Theft In Business
 Business Identity Theft
 Access Code Identity Theft
Identity Theft On The Internet
 Identity Theft Phishing
 Online Identity Theft
Protecting Against ID Theft
 Learn Identity Theft Protection
 Guard Against Identity Theft
 Need Identity Theft Protection
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 Cross Cut Paper Shredders
 Confetti Paper Shredder
 Heavy Duty Paper Shredder
 Paper Shredders Office Use
 Cross Cut CD Shredder
Identity Theft Reporting
 Identity Theft Reporting
 How to Report Identity Theft
 Report Stolen Credit Cards
 Stolen Personal Checks
 Credit Reporting Agencies