Card credit report Kansas City

You must also notify the credit bureaus about the fraudulent accounts. Handling problems with your existing credit or debit accounts. If your existing credit or debit accounts have been used fraudulently, report it in writing immediately to the credit card company. Request replacement cards with new account numbers. In addition to phoning the credit card company regarding the fraud, you will need to follow up in writing and will likely be asked to provide a fraud affidavit or card credit report Kansas City a dispute form. Send the letter to the address given for "billing inquiries," not the address for sending payments. Carefully monitor your mail and bills 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. credit scores credit reports Ask for card credit report Kansas City 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 to the debt collector explaining your situation.

Ask that they confirm in writing that card credit report Kansas City you do not owe the debt and that the account has been closed. Under new provisions in the FCRA, a debt collector card credit report Kansas City 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. credit history report free (§615(f)) For additional information on dealing with debt collectors, read our Fact Sheet 27, which has a section for victims of identity card credit report Kansas City theft at www.privacyrights.org/fs/fs27-debtcoll.htm#8 7. Check and banking fraud. If you have had checks stolen or bank accounts card credit report Kansas City set up fraudulently, ask your bank to report it to ChexSystems, a consumer reporting agency that card credit report Kansas City compiles reports on checking accounts. Also, card credit report Kansas City place a security alert on your file (see web address below). Your bank should be able to provide you with a fraud affidavit. Put "stop payments" on any outstanding checks that you are unsure about. Close your checking account and other affected accounts and obtain new account numbers.

Give 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 the check verification company that the merchant uses. how to check credit score TeleCheckFor annual file disclosureFraud, card credit report Kansas City 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 check verification companies card credit report Kansas City listed here that you have had card credit report Kansas City to contact as a result card credit report Kansas City of your identity theft situation, we recommend that you request a copy of your file once a year. If not, you will find it difficult to open new bank accounts and/or write checks.