If you notice listings on your credit report for accounts that you didn't open, you should write to the credit bureau immediately and dispute the listings.

If you believe that you may be a victim of identity theft, inform the credit bureaus in writing, provide a copy of a police report about the theft, and request that a Fraud Alert be placed on your credit file. A Fraud Alert remains attached to your credit file for 90 days and can be renewed afterwards. It instructs any potential lender or credit issuer to contact you by phone.

You will need to verify the opening of any new accounts, requests to increase a credit limit, or obtain a new card. If you decline or can not be reached, the request for new credit will be denied.