Individuals who believe they may be affected by this incident may elect to place a fraud alert with the major credit reporting agencies
on their credit files.
Credit reporting agencies
are private businesses that track consumers' credit histories and other transactions.
The company says it's taken "additional security measures" to block any future such attacks, and is working with card issuers and credit reporting agencies
to identify and resolve any fraudulent usage.
today announced it is offering a credit score to consumers with its 3-in-1 Credit Report, a comprehensive, easy-to-read report with line-by-line comparisons of information from all three major credit reporting agencies
It's important to point out that credit reporting agencies
are exempt from this law.
The free forms have spaces for all the initial information needed by credit reporting agencies
to locate your individual credit files and also include the names, addresses and telephone numbers of the major credit reporting agencies
Free Credit Report : Under the Fair and Accurate Credit Transactions Act (FACT Act), consumers are entitled to a free credit report from each of the three credit reporting agencies
- Equifax, Experian, and TransUnion - once every 12 months.
This feature is offered by the consumer credit reporting agencies
(TransUnion, Equifax, Experian, and Innovis) by calling 888-5-OPTOUT (888-567-8688), or by writing to TransUnion L.
It is recognized by credit counselors, lenders and credit reporting agencies
The three major credit reporting agencies
, Equifax, Experian, and TransUnion, utilize a FICO model which considers "authorized user" accounts when generating a person's credit score.
com (SML), a provider of loan search and pricing services for the mortgage industry, has formed alliances with four credit reporting agencies
including San Jose, Calif.
Inform the credit reporting agencies
about any inaccuracies you find in your reports.