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prevention tips

What To Look For Once You've Received Your Credit Report

  • An incorrect address or incorrect place of employment.
  • Inactive accounts with activity. (ID thieves sometimes change the address on inactive accounts and use them as their own. Your credit report will show whether an account is open or closed and the activity that coordinates with each account.)
  • Accounts in your name that you have not authorized. A new account may be a warning sign that an identity thief has opened an account in your name.
  • Unexpected public records. Credit reports show court judgments, liens, foreclosures, evictions, and other public records. Pay attention to records that do not belong to you.
  • Unexpected negative information like past-due items. (Typically an identity thief will ring up a lot of charges and never pay them, leaving you with outstanding, unpaid debt.)