The FACT Act has provisions designed to improve the accuracy of consumers’ credit-related records. It gives consumers the right to one free credit report a year from the credit reporting agencies. The FACT Act also adds provisions designed to prevent and mitigate identity theft, including a section that enables consumers to place fraud alerts in their credit files.
How to obtain a free credit report:
If you are a victim of identity theft, you must act quickly and assertively to minimize the damage. Provided below are resources you can use in the event you are a victim of identity theft.
Immediately contact the fraud centers of the three credit bureau reporting agencies.
P. O. Box 740241
Atlanta, GA 30374
To Report Fraud: (800) 525-6285
To Order a Credit Report: (800) 685-1111
P. O. Box 4500
Allen, TX 75013
To Report Fraud: (888) 397-3742
To Order a Credit Report: (888) 397-3742
Fraud Victim Assistance Department.
P. O. Box 6790
Fullerton, CA 92834
To Report Fraud: (800) 680-7289
To Order a Credit Report: (800) 888-4213
Federal Trade Commission: www.identitytheft.gov
Social Security Administration (800) 269-0271: https://www.ssa.gov/pubs/EN-05-10064.pdf
FBI Internet Fraud Complaint Center: www.ic3.gov
U.S. Department of Justice: www.usdoj.gov/criminal/fraud/websites/idtheft.html
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