Your actions can go a long way toward minimizing opportunities for fraud, identity theft, and other compromises of your account. Here are four crucial steps that you can take:
Quick Links: Download our Identity Theft Form / Ver la versión en Español
There are many variations, but in general, phishing often takes on one of the following forms:
Some other ways to keep your information secure include:
If you have reported fraudulent charges on your account, we will investigate your claim. It is important to remember the following:
When completing the form, please be mindful of the following:
If you become a victim of fraud or identity theft, you’ll want to respond and begin to recover as quickly as you can. The process should include working with your card issuer, local law enforcement, the Federal Trade Commission, state and local agencies, and the credit bureaus.
Notify the three major credit bureaus using the contact information below. Please remember that initial fraud alerts expire after six months, so it may be helpful to learn how to extend the alert if necessary. You may also consider filing a statement with the bureaus asking for notification to you before any new accounts are opened, or any existing accounts are changed in your name. This could uncover illegitimate attempts to open additional accounts in your name.
Credit Report: 1-800-685-1111
Report Fraud: 1-800-525-6285
Credit Report: 1-888-397-3742
Report Fraud: 1-888-397-3742
Credit Report: 1-800-888-4213
Report Fraud: 1-800-680-7289
Request and regularly review copies of your credit report from each credit bureau. If the information contained in your report is not accurate, you may dispute it and request that it be changed. Regular reviews will help you confirm that the requested changes have been made and if your report has been changed without your knowledge.
A free copy of your credit report is available annually at www.annualcreditreport.com.
Yes. You have various options, including contacting the Identity Theft Resource Center, a nonprofit organization, at 1-858-693-7935 or www.idtheftcenter.org.
Customer account history is reported to credit bureaus on a monthly basis and may take up to approximately 45 days to reflect on your credit report.
If you believe that any information contained in your credit report is not accurate, you may dispute it and request that the information is reviewed for accuracy. Contact the appropriate credit bureau immediately to report incorrect information. You may also notify American First Finance.