A hacker gets into your Gmail, Yahoo, or Hotmail. Hacker sees your online banking information.
Hacker orders a new credit card using your personal info and has it sent to a P.O. Box.
Hacker picks this new card, in your name, and goes on a spending spree. You don’t find out, because the bill goes to the P.O. box.
When the card is maxed out, Hacker moves onto another victim.
You remain blissfully and scarily unaware until your credit report is checked. To your horror, you find a huge unpaid collection account. Your credit score has plummeted by 100 points.
This is why federal law allows everyone to order a free annual credit report. If you haven’t checked yours in the past 12 months, order it today through the good old-fashioned USPS mail.
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281
If you were a potential victim of the big Experian credit breach in 2017, this is all the more reason why you should check your credit report.
Please share this info because people are forgetting to check their credit reports, and crime must be prevented and shut down. Thank you.
Carolyn, if we put a credit freeze on our accounts after the Experian hack, will we need to remove that in order to pull the free credit report? Thanks!
No you won’t need to remove your credit freeze, because a third party is not requesting the report. You can request your own report while the freeze is in tact. Thank you for asking as I’m sure others might have the same question
Carolyn Warren
Hello,
Do I just send send a letter requesting the report to the address above?
Thank you.
Yes. I sent my own letter a few days ago. I wrote: “Please send me my free annual credit report.” Then I wrote Sincerely, and my name. I included my name, address, social security number, and date of birth. They will need that information to identify you. Thank you for asking.