Credit Report Innacuracies / Fraud FAQs

What should I do if I find an error in my credit report?
If you find an error, you may dispute it by writing the creditors and/or the bureaus. The easiest way to take care of a dispute is to use the automated documentation capability of Community Empower. Click the button marked “Review Credit File For Liabilities” on your analysis page (you must be currently enrolled in Community Empower to use this feature.)

 

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How can I recognize if I am a victim of fraudulent activity?
In most cases, fraudulent activity can be detected by reviewing the accounts, inquiries and addresses that appear on your Community Empower credit report. Review your report carefully for the following items:

  • Accounts: If you do not recognize an account and the account is newly opened, that may be an indication that a criminal has obtained a line of credit using your identity.
  • Inquiries: Review all the inquiries on your credit report in the section titled: "Requests viewed by others." This section contains inquiries from creditors that have accessed your credit report to process an application. If you do not recognize the credit grantor accessing your report, that may be an indication of fraudulent activity.
  • Addresses: Review the addresses appearing on your credit report. If you discover an address that you have not lived at, it may be an indication that the address was used on a fraudulent application for credit.

 

 

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What should I do when I find an account, inquiry or other data that was a result of fraudulent activity?
The most important task is to notify the creditor reporting the fraudulent data. Simply call the creditor and inform them you are a fraud victim who would like to file a fraud claim. All your creditor’s contact information is included at the bottom of your Community Empower credit report. Follow-up your call by using the Community Empower system to automatically generate the written documentation that you can send to the creditors to dispute the fraudulent account. Each creditor has a process for investigating your claim. Cooperate completely with the requests of the credit grantor, so you can be assured you are not held responsible for payment on the account. In addition, you may use Community Empower to generate documentation to the credit reporting agency to dispute the fraudulent data.

 

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Should I file a police report on fraudulent activity?
In general, when a crime has been committed, it is a good idea to file a police report. If you would like to file a police report, it is recommended that you call the non-emergency number for your local police department and explain what has happened. Your local police department can direct you to the appropriate department and explain what information you need to provide.

 

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What about the legitimate accounts that I have already established? Should I take precautions to protect those accounts?
If the criminal has your identification information and is attempting to obtain credit, you may want to contact your existing creditors to inform them of the situation. You can request that the creditor does not change your mailing address or mail out a replacement card unless they receive a written consent from you first. Be sure to ask creditors if additional precautions are available for your use.

 

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