Know when to relax
Wrong addresses and birth dates occasionally show up on your records for
reasons that have nothing to do with ID theft. You need to
report this information to the credit bureaus as incorrect, but you
might not need to report ID theft. It could have been human error. Make sure to
keep a close eye on your credit report for the next few months though, because
you never know when an identity thief will strike.
Know when to raise a red flag
If several things are incorrect on your credit report, this isn't a good sign.
Especially if there are new and existing accounts you've never heard of. Or, if
you notice several accounts are suddenly past due. This kind of credit activity
is highly suspicious.
To avoid needless worrying, check over available information thoroughly and pay
close attention to account numbers and credit cards (credit card issuer's names
can be confusing!). If the information doesn't reflect your account activity,
contact the ID Theft Customer Service Center immediately.
This service was included with your purchase of FICO® Quarterly Monitoring,
so it's free of charge. You'll receive a comprehensive guide to walk
you through the steps of reporting ID theft and protecting yourself from more
Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc.
The description herein is a summary and intended for informational purposes only and does not include all terms,
conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions,
and exclusions of coverage. Coverage may not be available in all jurisdictions.