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STEP 3: Fraud Alert

Be Prepared

The next step is to place a fraud alert on your credit file as well as review your credit report. This will prevent an identity thief from opening any more accounts in your name. You should contact the two major credit bureaus – Equifax and Trans Union.

While there are different types of alerts and entitlements associated with fraud alerts, each of them ensures that businesses carefully identify a customer using your information before completing a transaction.

Perhaps the most important aspect for dealing with identity theft is to understand the crime, and that anyone can be a victim.

If you follow the strategy to deter, detect, and defend against identity theft, you can prevent the likelihood of being a victim. Following these steps can also ease the sting that this crime may bring.

The Financial Consumer Agency of Canada (FCAC) is encouraging Canadian consumers to review their credit report regularly for the warning signs of identity theft. To assist consumers in doing so, FCAC has issued Understanding Your Credit Report and Credit Score, a new booklet that offers key information on obtaining and understanding a credit report and score and getting any errors corrected. This booklet is available to the public free of charge through FCAC's Web site (www.fcac.gc.ca) and the Agency's toll-free Consumer Contact Centre (1-866-461-3222).

Important Numbers and Contacts

creDIT bureaus

Equifax www.equifax.com Canada - 1-800-465-7166 Equifax Canada Inc. Box 190, Jean Talon Station Montreal, Quebec H1S 2Z2 United States - 1-800-525-6285 P.O. Box 740241 Atlanta, GA 30374-0241

Trans Union www.transunion.com Canada -1-866-525-0262 TransUnion Canada P.O. Box 338, LCD 1 Hamilton, ON L8L 7W2 Quebec - 1-877-713-3393 TransUnion (Echo Group) 1 Place Laval Suite 370 Laval, PQ H7N 1A1 United States - 1-800-680-7289 Fraud Victim Assistance Division P.O. Box 6790 Fullerton, CA 92834-6790

Northern Credit Bureaus Inc. Canada Only - 1-800-532-8784 336 Rideau Boulevard Rouyn - Noranda QC J9X 1P2

PhoneBusters Box 686 North Bay, Ontario P1B 8J8 1-888-495-8501

Canadian Financial Institutions Amex Bank of Canada - 1-866-215-5388 BMO Financial Group - 1-800-353-9922 CIBC - Contact your branch Citibank Canada - -1-800-387-1616 Desjardins Credit Union - Contact your branch HBC Hudsons Bay - 1-800-263-2599 ING Direct - 1-888-464-1111 RBC Financial Group - Contact your branch Scotiabank - 1-800-813-6602 Sears Canada - 1-800-565-3460 TD Financial Group - Contact your branch Major Credit Cards - Check your card for numbers to call

Experian (US Only) www.experian.com P.O. Box 9532 Allen, TX 75013 1-888-EXPERIAN (397-3742)

US Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, Room 130-B N.W. Washington, D.C., 20580 1-877-ID-THEFT (1-877-438-4338)

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