Identity Theft & File Accuracy
Your credit file should contain only your information. Whether you're dealing with identity theft, a mixed file, or personal information errors, taking quick action is essential to protect your credit.
Suspect Identity Theft?
If you see accounts you didn't open or inquiries you didn't authorize, act immediately. Go to IdentityTheft.gov to create a recovery plan and get personalized steps. Consider freezing your credit at all three bureaus right away.
Identity & Accuracy Topics
From identity theft to mixed files, learn how to protect and correct your credit information.
Identity Theft Recovery
If fraudulent accounts appear on your report, immediate action is critical. Document everything and file official reports.
Mixed File Correction
When your credit file contains another person's information, it requires careful documentation to separate the files.
Credit Freeze vs Fraud Alert
Understand the difference between freezes and alerts, and when to use each for maximum protection.
Personal Information Errors
Wrong name spellings, addresses, or SSN digits can cause ongoing problems and need correction.
Fraudulent Accounts
Accounts opened without your authorization require specific dispute procedures and documentation.
Post-Theft Credit Rebuild
After resolving identity theft, rebuilding your credit requires patience and careful monitoring.
Identity Theft Recovery Steps
If you're a victim of identity theft, follow these steps to protect your credit and begin recovery.
Freeze Your Credit
Place a security freeze at all three bureaus. This prevents new accounts from being opened.
File Official Reports
File an Identity Theft Report at IdentityTheft.gov and a police report if accounts were opened fraudulently.
Dispute Fraudulent Items
Send disputes to credit bureaus with copies of your FTC Identity Theft Report and police report.
Monitor Continuously
Set up credit monitoring and review your reports regularly. You're entitled to free reports after identity theft.
Credit Freeze vs. Fraud Alert
Understanding the difference helps you choose the right protection for your situation.
Security Freeze
- Blocks all new credit access
- Must be lifted temporarily to apply for credit
- Free to place and lift
- Stays until you remove it
- Apply at each bureau separately
Best for: Maximum protection, especially after identity theft
Fraud Alert
- Requires creditors to verify your identity
- Doesn't block credit applications
- Initial alert lasts 1 year
- Extended alert (identity theft victims) lasts 7 years
- One bureau notifies the others
Best for: Ongoing monitoring without blocking credit access
Official Resources
These official resources can help you protect and monitor your credit.
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Our tools help you monitor your credit and identify potential identity issues quickly.
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