Helpful Information and Resources
General Information To Help Protect Your Identity
- Closely monitor your financial accounts and, if you see any unauthorized activity, promptly contact your financial institution. We also suggest you submit a complaint with the Federal Trade Commission by calling 1-877-ID-THEFT (1-877-438-4338) or online at https://www.ftccomplaintassistant.gov/
- You also may want to contact the three U.S. credit reporting agencies (Equifax, Experian and TransUnion) to obtain a free credit report from each by calling 1-877-322-8228 or by logging onto www.annualcreditreport.com
What should I look out for?
Purchases or charges on accounts that you didn’t make. New accounts you didn’t open or changes to existing accounts you didn’t make. Bills that do not arrive as expected. Unexpected credit cards or account statements. Denials of credit for no apparent reason. Calls or letters about purchases you didn’t make.
What should I do if I detect a problem with any account?
The Federal Trade Commission recommends the following four steps if you detect suspicious activity:
- Contact the fraud department of one of the three major credit bureaus:
- Equifax: 1-800-525-6285; www.equifax.com; P.O. Box 740241, Atlanta, GA 30374-0241
- Experian: 1-888-EXPERIAN (397-3742); www.experian.com; P.O. Box 9532, Allen, Texas 75013
- TransUnion: 1-800-680-7289; www.transunion.com; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790
- By telephone: 1-877-438-4338
- Online at www.consumer.gov/idtheft
- By mail at Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue NW, Washington DC 20580
What remedies are available if my identity is stolen and used illegally?
The Federal Trade Commission (FTC) has produced a booklet to help you remedy the effects of an identity theft. It describes what steps to take, your legal rights, how to handle specific problems you may encounter on the way to clearing your name, and what to watch for in the future. The contents of the booklet, Taking Charge: Fighting Back Against Identity Theft, are available on-line at http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt04.shtm
CareerTech is making available upon request a credit monitoring service. For more information please email firstname.lastname@example.org or call the toll-free information line at 1-800-951-9555.