topic Re: Detected Address Change Alert in General Credit Topics

Detected Address Change Alert

Anonymous — Wed, 20 May 2020 21:06:49 GMT

I received an alert about a new address at the end of March. I haven't moved and I don't recognize the address. My first thought was identity theft, but there haven't been any new accounts opened under my name. The alert doesn't indicate where it got this information, so I went through the dispute process for all three credit reporting agencies and none of their reports indicate the address. Each bureau correct reports 0 inquiries as well.

Does anyone have any idea what's happened here?

Re: Detected Address Change Alert

DaveInAZ — Wed, 20 May 2020 22:17:18 GMT

How did you get the "alert", text message, email??? Sounds like it might be a scam.

Re: Detected Address Change Alert

TekkenQQ7 — Wed, 20 May 2020 22:59:08 GMT

Try to lock all the reports if you can for now just to be safe.

Re: Detected Address Change Alert

M_Smart007 — Thu, 21 May 2020 00:40:20 GMT

@Anonymous wrote:
I received an alert about a new address at the end of March. I haven't moved and I don't recognize the address. My first thought was identity theft, but there haven't been any new accounts opened under my name. The alert doesn't indicate where it got this information, so I went through the dispute process for all three credit reporting agencies and none of their reports indicate the address. Each bureau correct reports 0 inquiries as well.

Does anyone have any idea what's happened here?

@Anonymous Hi and Welcome to myFICO forums!

Check you addresses on your credit bureau reports for accuracy.

Free credit reports are now available for everyone, every week

Big three credit reporting agencies switch from one free report per year.

https://www.housingwire.com/articles/free-credit-reports-are-now-available-for-everyone-every-week/

AnnualCreditReport.com

Maybe @AllZero can add other links to check.

Re: Detected Address Change Alert

AllZero — Thu, 21 May 2020 00:47:45 GMT

@CreditInspired wrote:
Freeze your credit with Equifax, Experian and TransUnion

Credit Bureau Online By phone By mail
Visit: Equifax Credit Freeze page 1-800-685-1111 (NY residents call 1-800-349-9960) Equifax Security Freeze, P.O. Box 105788 Atlanta, GA 30348
Visit: Experian Credit Freeze page 1-888-EXPERIAN (1-888-397-3742) Experian Security Freeze, P.O. Box 9554 Allen, TX 75013
Visit: TransUnion Credit Freeze page 1-888-909-8872 TransUnion LLC, P.O. Box 2000
Chester, PA 19016

I found this on https://clark.com/credit/credit-freeze-and-thaw-guide/

Re: Detected Address Change Alert

AllZero — Thu, 21 May 2020 00:48:51 GMT

AnnualCreditReport. Free weekly 3 bureau online reports through April 2021.

Re: Detected Address Change Alert

Anonymous — Thu, 21 May 2020 02:26:17 GMT

It was an alert from within myFICO's FICO Quarterly Monitoring product. As mentioned, I already got my credit reports from the bureaus directly and there was no indication of the address and also no new inquiries. My best guess is an attempted identity theft?

Re: Detected Address Change Alert

Remedios — Thu, 21 May 2020 02:34:41 GMT

Posts were removed. Please save memes and "jokes" for those times new members (and old alike) arent facing potential serious issues.

Re: Detected Address Change Alert

core — Thu, 21 May 2020 02:38:19 GMT

Are you sure that one of your creditors didn't just slightly change your address? For example they might have changed it to the USPS standardized address rather than the one you originally gave them. Or something innocent along those lines.

There are quite a few innocent explanations, without having the data in front of me. But yeah I understand it's more fun to tell someone to freeze all their reports because the boogey man is coming, etc.

Re: Detected Address Change Alert

Remedios — Thu, 21 May 2020 02:38:54 GMT

@Anonymous wrote:
It was an alert from within myFICO's FICO Quarterly Monitoring product. As mentioned, I already got my credit reports from the bureaus directly and there was no indication of the address and also no new inquiries. My best guess is an attempted identity theft?

That's easy to check. Go through your cards (apps or online), and see if address has been changed anywhere.

The only way demographics items end up on CR is if lender reports them.

If there are none, do you have any accounts in collections?

Sometimes collection agencies will report and send mail where they think you might be. They might use friend's or relative's address because paper trail links them to you.

Re: Detected Address Change Alert

M_Smart007 — Thu, 21 May 2020 03:37:36 GMT

@Anonymous wrote:
It was an alert from within myFICO's FICO Quarterly Monitoring product. As mentioned, I already got my credit reports from the bureaus directly and there was no indication of the address and also no new inquiries. My best guess is an attempted identity theft?

I would just keep a close eye on things, does not seem to potentially serious.

ETA: You may want to look into "Locking your credit reports"

Re: Detected Address Change Alert

Anonymous — Thu, 21 May 2020 05:33:22 GMT

Check Innovis and ChexSystems. Check your contact info on file with each of your current creditors (credit cards, auto, checking and savings accounts, loans, utilities). When the USPS opens postal offices again go in and confirm that your mail has not been temporarily forwarded or on hold. Freeze, do not lock or put a fraud alert on your credit reports; the fraud alert does NOTHING. Confirm your driver's license has not been reported lost and a replacement mailed out or address changed. Screen cap those security questions where they ask you things like "Which one of these telephone numbers has ever been associated with you?" and you don't recognize any of the choices. Sometimes "None of the above" is a sufficient answer but when you fail to pass those security questions that indicates fraudulent information that is showing up on one (or more) of your CRs. Set up an online Social Sec Admin account and monitor your SS reported compensation. When something like this happens it's wishful thinking to assume it's a fluke or a typo or just a mistake. Look up synthetic identity fraud/theft; criminals are piecing PII info of multiple victim's to create Frankenstein identities so that is why you could get an alert but everything appears normal on the surface. Recently two creditors added fraudulent contact info to my accounts from fraudulent credit applications. It's getting worse. Remain vigilant. Good luck.

Credit Bureau	Online	By phone	By mail
	Visit: Equifax Credit Freeze page	1-800-685-1111 (NY residents call 1-800-349-9960)	Equifax Security Freeze, P.O. Box 105788 Atlanta, GA 30348
	Visit: Experian Credit Freeze page	1-888-EXPERIAN (1-888-397-3742)	Experian Security Freeze, P.O. Box 9554 Allen, TX 75013
	Visit: TransUnion Credit Freeze page	1-888-909-8872	TransUnion LLC, P.O. Box 2000 Chester, PA 19016