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Learn how to file a report with your local police, credit bureaus & more
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Credit card fraud is a type of identity theft that can impact your credit health. While it may be tempting to file a police report right away, it’s important to contact your credit card company, a credit reporting bureau, and the FTC first. We’ll walk you through each and every step, so you can confidently advocate for yourself and get your credit straightened out. We’ll even cover some steps you can take after filing a police report, so you can feel more in control.

How do you report credit card fraud to the police?

Reach out to your credit card issuer, a credit reporting bureau, and the Federal Trade Commission before reporting credit card fraud to your local police. When you visit your local police station, bring the paperwork you received from the FTC, along with proof of your identity and proof of your credit card fraud.

Section 1 of 3:

How to Report Credit Card Fraud

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  1. Call your credit card issuer’s main number and ask to be redirected to the fraud department. Explain the circumstances of how your credit card information got compromised, and request that they freeze or completely close down the affected accounts.[1]
    • Always reach out to your card issuer as soon as you possibly can. You can’t be held liable for unauthorized charges on a card you’ve already reported as missing/stolen.[2]
    • Did you know? Credit card fraud is typically legislated at a state level, so it depends on your state (and the severity of the fraud) if it’s considered a felony or not. In some cases, however, it can be treated as a federal crime.[3]
  2. Reach out to either Equifax, Experian, or TransUnion and ask for a fraud alert to be placed on your information. Alerting the credit bureaus lowers the chance of more fraudulent activity happening.[4]
    • Don’t worry about calling all 3 companies—whichever company you call will let the other bureaus know about your fraud report.
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  3. Visit the Federal Trade Commission (FTC) website and submit an official report about your credit card fraud. Select “I want to report identity theft” or “Someone has my information or has tried to use it, and I’m worried about identity theft” on the first page of the form and provide as much information as you can about the problem.[5]
    • Alternatively, call the FTC to report your situation that way.
    • After submitting your report, the FTC should give you an Identity Theft Report, which is necessary when filing a local police report.
    • The FTC doesn’t technically “investigate” your case on a judicial level, but they do collect and provide Identity Theft Reports to law enforcement agencies.[6] Groups like the FBI help investigate identity theft; in fact, the FBI has asked recent victims of identity theft to get in touch.[7]
  4. Bring your FTC Identity Theft Report, along with a copy of a past bill (or some document with your address), your official ID (like a driver’s license or passport), and any other useful evidence/documentation about the credit card fraud. Once they’ve taken your information, request a copy of the report to have in your own records.[8]
    • You don’t have to make a police report, but it may be helpful if the credit card fraud happened locally.
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Section 2 of 3:

What Comes Next

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  1. Send a physical letter to Equifax, Experian, and TransUnion that contains your FTC Identity Theft Report, along with copies of documents that have your identifying information, like your name, social security number, and address. Clearly state how your current credit report was impacted by credit card fraud, and explain what parts of it need to be marked as fraudulent.[9]
    • Equifax address:
      P.O. Box 105069
      Atlanta, GA 30348-5069
    • Experian address:
      P.O. Box 9554
      Allen, TX 75013
    • TransUnion address:
      Fraud Victim Assistance Department
      P.O. Box 2000
      Chester PA, 19016
    • In this case, you do have to touch base with all 3 bureaus.
  2. Call your credit card company and identify all the specific charges that were fraudulently made so the company can get rid of them. Once every false purchase is removed, request an official document to prove that your credit card company cleared the fraud.[10]
  3. Call Equifax, Experian, or TransUnion and ask for an extended fraud alert if you’re concerned about future fraud. This type of alert is completely free and is good for 7 years—during this time, any new credit lines opened in your name must be confirmed with you.[11]
    • You’ll need a copy of your FTC Identity Theft Report before you can do this.
  4. If your credit card company still holds you liable for the fraudulent debt, call them again and send over a copy of your FTC Identity Theft Report. Once your credit card company officially absolves you, get their statement in writing for extra confirmation.[12]
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Section 3 of 3:

How to Prevent Credit Card Fraud

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  1. Visit AnnualCreditReport.com to receive a free copy of your credit report each week. Be sure to get reports from all 3 credit bureaus rather than relying on just one.[13]
    • Credit card fraud can potentially affect your credit score by making it increase or drop unexpectedly.
    • All 3 credit bureaus offer credit monitoring services, though only Experian offers a completely free one.
  2. When a new credit card statement comes in, take a close look and make sure that all the numbers make sense. Do you recognize all the payments, or do you detect any suspicious activity? A careful look-over can help you tackle potential credit card fraud right away.[14]
  3. Scams come in all shapes and sizes, but they often come in digital form as phishing attacks. Phishing emails and texts try to trick the recipient into giving away personal information by masquerading as a reputable company, or by offering a cool deal. Treat your digital messages with caution, and always be 100% certain before clicking any links or giving your personal information away.[15]
  4. A purse or other secure area is a great spot to keep your credit cards safe. Make sure you don’t write your PIN down anywhere, and that you don’t give your credit card information to anyone unless you completely trust them.
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About This Article

Michael R. Lewis
Co-authored by:
Business Advisor
This article was co-authored by Michael R. Lewis and by wikiHow staff writer, Janice Tieperman. Michael R. Lewis is a retired corporate executive, entrepreneur, and investment advisor in Texas. He has over 40 years of experience in business and finance, including as a Vice President for Blue Cross Blue Shield of Texas. He has a BBA in Industrial Management from the University of Texas at Austin. This article has been viewed 280,241 times.
2 votes - 100%
Co-authors: 15
Updated: April 29, 2024
Views: 280,241
Thanks to all authors for creating a page that has been read 280,241 times.

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