Online Threat Alerts (OTA) - Alerting you to scams and frauds.

Transunion Experian Credit Report Scam - How to Protect Yourself
Transunion Experian Credit Report Scam - How to Protect Yourself

Scams involving TransUnion and Experian typically involve phishing emails, spoofed websites, or fraudulent "credit repair" services asking for upfront fees to fix credit scores. Legitimate reports and scores can only be accessed through official bureaus or authorized platforms.

Common Scams to Watch Out For

  • Phishing Emails & Fake Alerts: Fraudsters send emails mimicking TransUnion, Experian, or Equifax, often claiming there is an issue with your account or alerting you to "suspicious activity." These messages direct you to spoofed websites designed to steal your login credentials or personal information.
  • Fake Credit Repair: Companies charging high upfront fees to "remove negative items" from your credit report. By law, legitimate credit repair services in many jurisdictions cannot demand payment before services are rendered.
  • Unsolicited Text/Phone Scams: Scammers posing as bureau representatives demanding a payment or personal information to unlock a frozen credit report or "clear" your credit history.

How to Protect Yourself

  • Access Official Reports Only: The only federally authorized site to obtain your genuinely free weekly credit report is AnnualCreditReport.com.
  • Check the URL: Before logging in, ensure you are on the actual, official domains: Experian or TransUnion.
  • Never Pay for a Freeze or Fraud Alert: Placing a credit freeze or fraud alert on your profile is completely free with all major credit bureaus.
  • Do Not Click Links in Emails: Instead of clicking links for fraud alerts or account updates, log in directly to your verified account via your browser.
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