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You can go to annualcreditreport.com and get a copy of your credit reports. The reports are free if you have not received a free report in the last year. Look on the reports for new loans that you didn’t open. Also check to see if there are recent inquiries by lenders that you did not initiate. If you see any suspicious activity contact the lender.
There are some things you can do to protect your credit from unauthorized use. You may be able to freeze your credit so that a creditor must have a pin that you provide to check your credit. You can add a statement that a creditor should call a certain phone number before opening accounts in your name. If a lender can’t check your credit someone is unlikely to be able to open an account in your name.
Finally if someone does open an account in your name without authorization, you have been a victim of identity theft. Contact local authorities and file a police report. They may be reticent in taking your report, but insist. Remember that you do not have to have proof of who committed a crime to report that a crime has been committed. Armed with a police report showing that you have been a victim of identity theft will make it easier to get your credit report corrected.
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9 months ago
Andrea Lee Negroni
said:
I like this answer but feel it necessary to add that if you find out any accounts have been opened in your name without your authorization, you should also notify the creditors that the accounts aren’t authorized. Once you know there’s an account in your name, you can’t just sit back and ignore it while charges rack up!
9 months ago
Harlan Cooper
said:
@Andrea Lee Negroni Thanks Andrea, that is an excellent point. I said “If you see any suspicious activity contact the lender”, but maybe that could have been elaborated upon or made clearer. I appreciate the clarification.
How do I find out if a ex has taken out a loan in my name
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