How to Get a Free Experian Credit Report for Fraud Victims
Credit fraud occurs when someone uses your identity to make unauthorized charges to your credit accounts, opens new accounts in your name or makes any unauthorized use of your personal identification information to commit credit fraud or other crimes. Criminals can obtain your personal identifying information, such as your social security number, driver's license number or credit card numbers through means such as stealing mail from your mailbox or through a fraudulent telephone call or email to you. In addition to other protective steps you can take when your identity has been stolen, you can get a free Experian credit report and other assistance from Experian by notifying them when you are a victim of credit fraud.
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Instructions
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Notify your local police and other authorities of the fraud. Write down information such as police report numbers and contact numbers.
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Notify Experian of the fraud. Call Experian's National Consumer Assistance Center at (888) 397-3742 to report fraud using an automated system. You can also report the fraud online (see Resources section).
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Request a free consumer credit report when prompted in the notification process. The report will be sent to you by postal mail
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Review the information in your consumer credit report when it arrives. Identify data that is the result of fraudulent activities and notify Experian of the data using the telephone number printed on the report.
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Provide information such as police report numbers to Experian if requested. Experian will investigate and remove fraudulent data from your consumer credit report.
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