When checking your credit reports, look specifically for sudden drops in your credit rating and additional credit card numbers that you haven't opened yourself. If you find problems such as these, you will need to report the credit card fraud immediately to the credit bureau. If you obtained your credit report directly through the credit bureaus, you will be able to do this by phone, online or by mail. If you obtained them through another agency, you will have to file a report by mail. The credit bureau then has 30 days to investigate your complaint. After the matter is resolved, request new copies of your credit report from all three reporting services to make sure that the problem is no longer on your record. Always report credit card fraud to the police.

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