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How-to · Consumer help

Block identity-theft debts from your credit reports

Ask credit reporting companies to block fraudulent debts using an identity-theft report and supporting documents.

Steps

2 steps
  1. Prepare the blocking requestInclude an identity-theft report, proof of identity and a letter identifying fraudulent debts and information. IdentityTheft.gov provides a sample letter.
  2. Submit to each affected reporting companySend the request to the credit reporting companies showing the fraudulent information. Qualifying information must be blocked within four business days after receipt.
Use blocking only for identity-theft debts. A company can refuse or remove a block if the information is incorrect or the debt did not result from theft.

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