How can you spot identity theft on your credit report?

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    KikoffKikoff
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    KikoffKikoff
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    What to Look For:

    1. Incorrect Personal Information: Check that your name, address, Social Security number, and date of birth are all correct. If you see variations of your name or addresses you don’t recognize, it could be a sign that someone else is using your information.
    2. Unknown Employers: The personal section may list your current and past employers. If there’s an employer listed that you don’t recognize, it might indicate fraudulent activity.
    3. Unfamiliar Addresses: Look for addresses where you’ve never lived. Identity thieves may use different addresses to open accounts in your name, so any unfamiliar addresses should raise a red flag.
    4. Names You Don’t Recognize: Sometimes, identity thieves will use slight variations of your name to apply for credit. Check for any names or aliases that you don’t recognize.

    Steps to Take If You Spot Something Suspicious:

    1. Contact the Credit Bureaus: Immediately notify the credit bureaus (Equifax, Experian, and TransUnion) if you see any inaccuracies. Request a fraud alert to be placed on your credit report.
    2. Review Your Accounts: Check your existing accounts for any unauthorized transactions or new accounts that you didn’t open. Report any suspicious activity to your financial institutions.
    3. File a Report: File a report with the Federal Trade Commission (FTC) at IdentityTheft.gov. This will help you create a recovery plan.
    4. Consider a Credit Freeze: If you suspect identity theft, consider placing a credit freeze on your reports. This prevents new creditors from accessing your credit report and opening accounts in your name.
    5. Monitor Your Credit Regularly: Regularly check your credit report to catch any signs of identity theft early. You’re entitled to a free credit report once a year from each of the three major credit bureaus through AnnualCreditReport.com.
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