Accounts on your credit report that are not yours
The quick answer
If an account on your report is not yours, first figure out if it is a mix up or identity theft. For identity theft, report it at IdentityTheft.gov, then send that report to each credit bureau and ask them to block the accounts. They must block them within four business days. For a mix up, send a regular dispute.
Mix up or identity theft?
A mix up happens when someone with a name like yours gets mixed into your file. You will usually see their address or their accounts, but nobody applied for credit as you. Fix it with a regular dispute letter.
Identity theft looks like accounts you never opened, credit checks you never asked for, addresses you never lived at, or calls about debts you never had.
Steps for identity theft
- Report it at IdentityTheft.gov. You get an Identity Theft Report and a recovery plan with letters already written for you.
- Place a fraud alert. Contact one credit bureau and it tells the other two. It lasts one year. With your Identity Theft Report you can get an extended alert that lasts seven years.
- Freeze your credit. A freeze is free and stops new accounts from being opened in your name. You have to contact all three bureaus.
- Ask each bureau to block the accounts. Send your Identity Theft Report, proof of who you are, the accounts that are not yours, and a statement that you did not open them. They must block them within four business days.
- Contact each company. Call the fraud department of every business where an account was opened. Ask them to close it and stop reporting it, and send them your Identity Theft Report.
Fraud alert or credit freeze?
| Fraud alert | Credit freeze | |
|---|---|---|
| What it does | Lenders have to check it is really you | Lenders cannot see your report at all |
| Cost | Free | Free |
| How long | One year, or seven with an Identity Theft Report | Until you lift it |
| Who to contact | One bureau | All three bureaus |
Lift a freeze for a short time when you apply for a car, an apartment or a card, then put it back.
Common questions
Does a credit freeze hurt my score?
No. It does not change your score, and you can keep using the accounts you already have.
Do I need a police report?
Usually the Identity Theft Report from IdentityTheft.gov is enough. Some companies also ask for a police report.
How is a block different from a dispute?
A block is for identity theft and has to happen within four business days. A dispute is for mistakes and usually takes up to 30 days.
Do it from your phone
Open your report in ZungiDill, tap what is wrong, and it writes the letter and reminds you when the answer is due.
Sources
- IdentityTheft.gov, run by the Federal Trade Commission
- Fair Credit Reporting Act, 15 U.S.C. 1681c-2: identity theft blocks
- Federal Trade Commission: Credit freeze or fraud alert
- Federal Trade Commission: Disputing errors on your credit reports
General information, not legal advice.
