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credit fraud question??  

post #1 of 6
Thread Starter 
Ladies i have a Imp question. Someone filed for an auto loan using our name and DOB. The auto loan called us to find out more details about the loan and we denied that we filed for any loan.
Whats to be done now? Do we file a police complaint? I have no idea.

Pls help

Priya
post #2 of 6
Ahh lets see... DH has gone through this a few times (darn military puts SSN on everything)

Get copies of your credit reports, first and foremost. You can do this online or send for paper copies (I'd do it online, and sign up for a monitoring service in case inquiries haven't been posted yet)

Then you can proceed from there. If you have other fraudulent things on your credit report, then you'll need to contact those creditors, file police reports, etc. It's a pain in the rear.

DH also always changed his current cards (just call and explain, they'll send out a card with a new number) just in case they had access to other credit cards. That's just precautionary if they didn't steal your wallet or something. You might not have to do that.

The biggest thing is getting a copy of all three credit reports (equifax, experian, and transunion) to see what's on them that you don't recognize, and go from there. Put a fraud alert on all three... then potential creditors would have to call you before any credit was issued to anyone.

Hope that helps a little... it stinks that it happened to you.
post #3 of 6
You can get all three through www.freecreditreport.com - its a site sponsored by the three companies that walks you through the process. I just did it a month ago through there.
post #4 of 6
Thread Starter 

free credit report or annual credit report?

Quote:
Originally Posted by mightymoo View Post
You can get all three through www.freecreditreport.com - its a site sponsored by the three companies that walks you through the process. I just did it a month ago through there.

Looks like its www.annualcreditreport.com which is a link on the www.freecreditreport.com website.


Thanks 4 ur replies, I am getting into action.
Priya
post #5 of 6
clarkhoward.com

Big on ID theft info.

http://clarkhoward.com/shownotes/category/6/162/

Liz
post #6 of 6
Quote:
Originally Posted by naturals View Post
Looks like its www.annualcreditreport.com which is a link on the www.freecreditreport.com website.


Thanks 4 ur replies, I am getting into action.
Priya
Whoops, sorry, should have double checked. you are right!
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