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(California Civil Code 1785.15.3) And in seven states, whether a victim or not, you can receive one free credit report each year under state law, over and above the free FACTA report you can receive yearly under federal law. These states are: Colorado, Georgia (2 per year), Maine, Maryland, Massachusetts, New Jersey, and Vermont. Security freeze. As credit report free credit score Lexington of November 2007, individuals credit report free credit score Lexington nationwide are able to "freeze" their credit reports with Equifax, credit report free credit score Lexington Experian, and TransUnion. By freezing your credit reports, you can prevent credit issuers from accessing your credit files except when you give permission. This effectively prevents thieves from opening up new credit card and loan accounts.

In most states, security freezes are available at no charge to identity theft victims and for a relatively small fee for non-victims. If your identity thief is aggressive and gives no indication of ceasing to use your identity to obtain credit, consider using the security freeze to reduce access to credit report free credit score Lexington your credit file. annual free credit reports The security freeze is free to victims of identity theft in credit report free credit score Lexington most states. Non-victims who wish to activate the security freeze for prevention must pay a fee in most states. Some states make the security freeze available only to identity theft victims. Law enforcement. Report the crime to your local police or sheriff's department right away. You might also need to report it to police department(s) where the crime occurred if it's somewhere other than where you live. Make sure the police report lists credit report free credit score Lexington the fraudulent accounts . Get a copy of the report, which is called an "identity theft report" under the FCRA. credit report three Keep the phone number of credit report free credit score Lexington your investigator handy and give it to creditors and others who require verification of your case. Credit card companies credit report free credit score Lexington and banks may require you to show the report in order to verify the crime. FTC regulations define an "identity theft report" to include a report made to a credit report free credit score Lexington local, state, or federal law enforcement agency. If your local police department refuses to file a report and your situation involves fraudulent use of the U.S.

mail, you can obtain an identity theft report from the U.S. If your case involves fraudulent use of a driver's license in your name, you might be able to obtain a report from your state's Department of Motor Vehicles. The FTC has more information on identity theft reports at http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/defend.html 3. Federal Trade Commission. Report the crime to the FTC. free annual credit report gov Although the FTC does not itself investigate identity theft cases, they share such information with investigators nationwide who are fighting identity theft. What to do with new credit accounts opened by the imposter. credit report free credit score Lexington If your credit report shows that the imposter has opened new accounts in your name, contact those creditors immediately by telephone and in writing.