The primary step that you can take to protect yourself against any fraud is to remain vigilant in reviewing thoroughly all of your financial statements and account activity. We would recommend continuing to review these statements regularly for at least the next 12 months. Again, if you identify any unauthorized transactions, you should promptly notify the company with whom you maintain the applicable account.
In addition to monitoring your accounts, you may find helpful guidance that the Federal Trade Commission offers on how to protect yourself. The website is www.consumer.gov/idtheft.
As noted in the FTC material, you have the right to request a free annual credit report from each of the three nationwide consumer reporting agencies — Equifax, Experian, and TransUnion. To order a report from all three agencies, you may visit annualcreditreport.com or call 1-877-322-8228. You may also order a report by filling out a form available through the credit agencies and mailing it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
You may also contact the three nationwide credit reporting agencies to order a report directly or to place a fraud alert on your report if you suspect that you may be a victim of identity theft.
Equifax: 800-685-1111 or 800-525-6285; www.equifax.com
Experian: 888-397-3742; www.experian.com
TransUnion: 800-916-8800 or 800-680-7289; www.transunion.com
We strongly encourage our savers to consult the FTC’s website if they have any questions regarding the nationwide credit reporting agencies and the availability of free credit reports and/or the use of fraud alerts.