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Fraud Prevention Center
What should I do if I’m a victim of Identity Theft?
TransUnion Fraud Unit: 877-438-4338
Know the Difference: Identity Theft vs. Identity Fraud
Identity Theft: Identity theft is when a fraudster/thief/person takes over your personal and financial information to obtain credit or open bank accounts fraudulently. Personal information used to obtained credit or bank accounts include name, social security number, date of birth etc. This is often not caught immediately. This is usually discovered when new credit is applied for or creditors/collectors attempt to call or mail you collection letters. If not handled properly and quickly this could affect your credit report and credit score.
Identity Fraud: Identity fraud is usually limited attempts to steal funds from an existing bank account or through a credit/debit card transaction. An example of identity fraud is when a thief impersonates you at your financial institution attempting to cash a stolen check or withdraw money from your bank account. This usually does not affect your credit report or credit score if reported in a timely manner.