Credit Reports

Online Banking Security | Identity Theft Prevention | Credit Reports | Credit Card & Bank Account Security | Telephone & Mail Precautions

Look over your credit report regularly - at least once a year - for any inaccuracies. You can get a free credit report once a year from each of the three major credit bureaus at www.annualcreditreport.com. If you suspect that your identity has been stolen, contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file. The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified to place fraud alerts. Once the alert is placed, you may order a free copy of your credit report from all three major credit bureaus.

Equifax: 1-800-685-1111 or www.equifax.com
Experian: 1-888-397-3742 or www.experian.com
TransUnion: 1-800-916-8800 or www.transunion.com

• Limit the credit offers you receive. If you would like to reduce the number of credit offers you receive and the information companies share about you, contact the National Consumer Credit Reporting Agencies at 1-888-5-OPTOUT (1-888-567-8688).
• Remove your name from marketing lists. The Direct Marketing Association (DMA) is responsible for notifying its members that they must remove your name from the lists they sell. The members include the agencies and companies that compile mailing and telemarketing lists. Your name and address remain in the DMA’s consumer exclusion files for five years. Contact the DMA at www.dmaconsumers.org.