How To Protect Yourself

How Often Do You Review Your Credit Reports?

Consumers who regularly review their personal credit reports are more apt to spot identity theft early on. Each of your credit reports includes a list of the accounts you have and documents how you pay your bills. If an identity thief has opened credit or loan accounts in your name, these are likely to show up on your credit report.

The three major credit reporting companies are:

• Equifax (www.equifax.com)
• Experian (www.experian.com)
• Transunion (www.transunion.com)

Federal law requires that they each supply you with a free copy of your credit report once every 12 months. You can view and print free credit reports at www.annualcreditreport.com. Once you obtain a credit report, review it carefully.

• Look for accounts you didn't open, requests from companies you didn't contact, and unfamiliar debts charged to your accounts.
• Check to see if information like your Social Security number, address(es), and employers are correct.