Credit fraud is one of the most prevalent indicators of identity theft in the US. Because the impact of your credit in your daily life is real, you must actively take care of it. Therefore, stay alert and manage any potential issues with your credit.
If you suspect that your credit report has been accessed without your permission, we strongly suggest to contact all 3 Credit Bureaus immediately.
Credit bureaus offer free educational scores either directly through their websites / apps or your online banking systems. In addition, other apps such as CreditKarma, Credit Sesame, or Credit Wise allow you you track one or multiple consumer credit scores at once. Consumer credit scores are not the scores your lender will use. These free consumer scores tend to show higher results than your REAL credit scores. FICO® Scores are used by most reputable mortgage lenders. To make things more complex, there are also several FICO scores that consider multiple factors.
Credit bureaus collect information from credit providers such as banks, credit card issuers, lenders, and other consumer products such as mobile phones, cable operators, and medical institutions.
To get in touch with one of the three major credit bureaus, use the links and contact information below. Submit disputes and fix errors on your credit reports by contacting each bureau independently:
TransUnion – (800) 916-8800