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Someone recommended recently, in order to reduce the threat of identity theft, sending a letter with the following data to each of the three main credit companies:

Fraud Victim Alert: Fraudulent applications may be submitted in my name or my identity. Action may be required under the Fair Credit Reporting Act before opening or modifying an account. Please contact consumer @ xxx-xxx-xxxx or xxx-xxx-xxxx prior to taking such action. If you cannot contact consumer, do not extend the credit under any circumstance.

Especially useful if you've experienced credit problems, or are worried about someone opening an account in your name. I'm going to send the letter this week.

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judith_s

April 2017

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