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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