Identity theft protection Texas

A Warning about "Imposter" Websites Only one website is authorized to fill orders for the free identity theft protection Texas annual credit report you are entitled to under law - annualcreditreport.com. Other websites that claim to offer "free credit reports," "free credit identity theft protection Texas scores," or "free credit monitoring" are not part of the legally mandated free annual credit report program. In some identity theft protection Texas cases, the "free" product comes with strings attached. For example, some sites sign you up for a supposedly "free" service that converts to one you have to pay for after a trial period. If you don't cancel during the trial period, identity theft protection Texas you may be unwittingly agreeing to let the company start charging fees to your credit card. Some "imposter" sites use terms like "free report" in their names; others have URLs that purposely misspell annualcreditreport.com in identity theft protection Texas the hope that you will mistype the name of the official site.

Some of these "imposter" sites direct you to other sites that try to sell you something or collect your personal information. Annualcreditreport.com and identity theft protection Texas the nationwide consumer reporting companies will identity theft protection Texas not send you an e-mail asking for your personal information. online free credit report If you get an e-mail, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not identity theft protection Texas reply or click on any link in the message.

Forward any such e-mail to the FTC at spam@uce.gov. What information do I need to provide to get my free report? A: You need to provide your name, address, Social Security number, and date of birth.

If you have moved in the last two years, you may have to provide your previous address. To maintain identity theft protection Texas the security of your file, each identity theft protection Texas nationwide consumer reporting company may ask you for some information that only you would know, like the amount identity theft protection Texas of your monthly mortgage payment. official free credit report Each company may ask you for different information because the information each has in identity theft protection Texas your file may come from different identity theft protection Texas sources. Why do I want a copy of my credit report? A: Your credit report has information that affects whether you can get a loan - and how much you will have to pay to borrow money. You want a copy of your credit report to:

make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job. That's when someone uses your personal information - like your name, your Social Security number, or your credit card number - to commit fraud. Identity thieves may use your information to open a new credit card account in your name.

Then, when they don't pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability identity theft protection Texas to get credit, insurance, or even identity theft protection Texas a job. How long does it take to get my report after I order it? A: If you request your report online at annualcreditreport.com, you should be able to access it immediately. credit card fraud reporting If you identity theft protection Texas order your report by calling toll-free 1-877-322-8228, your report will be processed identity theft protection Texas and mailed to you within 15 identity theft protection Texas days. If you order your report by identity theft protection Texas mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt.

Whether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide consumer reporting company needs more information to verify your identity.