 TITLE: Identity Theft Victim Assistance CONTENT: Review Your Credit Report and Accounts\n--------------------------------------\nIf you suspect someone's seeking or opening a bogus credit account in your name, get copies of your latest credit reports from each national credit bureau (Experian, TransUnion and Equifax). You can obtain free reports from all three bureaus at AnnualCreditReport.com. Each bureau is required by law to provide a free report if you're the victim of identity theft, and Experian also provides monthly reports through CreditWorks℠ Basic, a free service that also offers basic credit monitoring that alerts you anytime your Experian credit report changes.\nInformation on lenders who've asked for credit checks in response to new credit applications will appear in the \"Inquiries\" section of your credit report. If you see an inquiry that's unrelated to an application you've made, contact the lender and ask for details on the application.\nLoans and credit cards opened in your name will be listed in the \"Accounts\" section of the credit report. If there are any entries there that you don't recognize, contact the lender immediately so they can begin investigating the matter.\nSometimes unrecognized credit report entries prove innocuous—inquiries or accounts from a bank you don't recognize could be the lender financing your new cellphone, for instance—but if there's no explanation for an entry, work with the lender to get it resolved. END