Recovery Resources: Fraud and Identity Theft
Dealing with fraud, scams, or online threats can feel confusing and stressful. That’s why Solace created an all-in-one guide to help you take control. Whether you're looking for quick answers or step-by-step support, you'll find much of what you need in one place, no guesswork required. Need help right away? Call Solace's emergency security line at 959-949-HELP anytime for fast, personal support. You may also use our Get Help Now form below. We’re here to help you stay safe and secure.
6 Actions to Take
Step 1: Place a One-Year Fraud Alert on Your Credit Bureau Files.
Placing a fraud alert tells lenders to contact you directly before opening any new credit in your name. When you reach out to one credit bureau, they typically inform the other two. However, to stay safe, it’s best to contact all three yourself. During the call—usually automated—you’ll need to share your Social Security number, date of birth, address, and phone number. The system may offer credit monitoring for a fee, but you are not required to buy anything to activate the fraud alert. Once the alert is active, you’ll receive a confirmation letter from each credit bureau. This letter also explains your right to a free credit report. Use the number listed in the letter to request that report. This is in addition to your yearly free credit report from each bureau, which you can access at www.annualcreditreport.com. If you're recovering from identity theft, you can also ask for a longer fraud alert—up to seven years. To qualify, you’ll need to provide an official identity theft report, such as one filed with the FTC or local police.
Step 2: Freeze Credit Reports with Equifax, Experian and TransUnion.
Freezing your credit is one of the smartest ways to protect yourself from identity theft. It stops thieves from opening new credit accounts in your name and doesn’t affect your credit score. The process is free, quick, and easy, but you’ll need to freeze your credit with all three major bureaus: Equifax, Experian, and TransUnion. Start with Equifax. Visit equifax.com/personal/credit-report-services or call 1-800-349-9960. You’ll need to create an account or log in. Once you're in, follow the prompts to place your freeze. You can also manage your freeze anytime through their app. Next, go to Experian at experian.com/freeze or call 1-888-397-3742. After logging in or creating an account, select “Freeze Credit” and complete the steps. Experian typically confirms your freeze right away. Then, freeze your credit with TransUnion by visiting transunion.com/credit-freeze or calling 1-888-909-8872. Sign in or set up an account, and choose the freeze option. TransUnion also offers a mobile app for quick access if you ever need to lift the freeze. Be sure to save any PINs, usernames, or passwords you create during the process. You’ll need them if you want to unfreeze your credit later. For full protection, you must freeze your report with all three bureaus. And remember, you can lift the freeze temporarily or permanently whenever you choose. Taking a few minutes to freeze your credit now can prevent years of financial stress later. It’s a simple but powerful step toward staying safe in a digital world.
Step 3: Report and Dispute Fraud with the Credit Bureaus Right Away.
Write to each credit bureau to dispute any fraudulent or incorrect information on your report. In your letter, clearly list the errors and include any supporting documents. After receiving your dispute, each bureau will contact the creditors involved and begin their investigation. Typically, you’ll get a response within 30 days.
Step 4: Alert Creditors and Government Agencies Where Your Info Was Misused
You can notify creditors by phone or in writing, whichever is easier for you. Always save both digital and printed copies of anything you send. In some cases, you may need to provide proof, such as a police report, an Affidavit of Forgery, or other official documents that show you’re a victim of identity theft.
Step 5: Report the Fraud to Law Enforcement and Request an Identity Theft Report
If you’re unsure where to begin, contact your local police department first. If they file a report, be sure to ask for a copy and keep it for your records. To learn more, explore the links below for a list of agencies you can reach out to along with guidance on when and why to contact each one.
Step 6: Reach Out to the FTC, Federal Trade Commission to Report Identity Theft
Fill out the FTC Identity Theft Affidavit and save a digital copy for your records. This document acts as official proof that someone stole your identity. As your situation changes, be sure to update the affidavit with any new details. If you need help, call the FTC at 1-877-382-4357.
Important Contacts
Credit Reporting Agencies
Equifax
888-766-0008
P.O. Box 740241
Atlanta, GA 30374-0241
www.equifax.com
Hearing impaired? Call 800-525-6285 and ask operator to call the Auto Disclosure line at 800-685-1111.
Experian
888-397-3742
P.O. Box 9532
Allen, TX 75013
www.experian.com
Hearing impaired? Call 888-397-3742 and ask the operator for assistance.
TransUnion
800-680-7289
P.O. Box 6790
Fullerton, CA 92834
www.transunion.com
Hearing impaired? Call TDD 877-553-7803.
Government Agencies
Social Security Administration
Learn About Social Security Fraud
U.S. Department of State
U.S. Postal Service
U.S. Department of Labor
U.S. Department of Health & Human Services
Division of Motor Vehicles
U.S. Postal Inspection Service
U.S. Securities and Exchange Commission
F.B.I.
Awareness Resources and Tools
Identity Theft Resource Center
stopbullying.gov
FTC Protecting America’s Consumers
Seeking Solace™
optoutprescreen.com
Stop Credit Reporting Companies from Providing Your Credit Info for Offers
DMAchoice
