金融健康

Follow the tips below to reduce your risk of identity theft when applying for 金融援助:

• Use fafsa.gov when filling out the Free Application for Federal Student Aid (FAFSA) form; when you exit the FAFSA site, close the browser so cookies from the session will be deleted automatically.
• Don’t give your FSA ID to anyone, even if that person is helping you fill out the FAFSA form.
• Review your financial aid offers; keep track of the amounts of financial aid you applied for and the amounts you received.
• 保留收据和文件(例如), 信贷申请或优惠, checks and bank statements) with personal information in a safe place, 用完了就把它们撕碎.
• Beware of student loan repayment scams that request up front costs or fees.
• Never give personal information over the phone or internet unless you made the contact. 如果你对你的经济援助有疑问, ask your college or contact the Federal Student Aid Information Center at (电子邮件保护) or 1800 - 4 -美联储援助(1-800-433-3243).
• Immediately report all lost or stolen identification to the issuer (e.g., the credit card company or your state’s Department of Motor Vehicles) and to the police, 如果合适的话.
• Watch the 理财知识(金钱事务)网络录音: 身份盗窃和网络安全

If you suspect that your personal information has been stolen, act quickly. Contact the credit reporting agencies and “freeze” your account so nobody else can open new credit accounts in your name. You will find tips and credit agency contact information at the 联邦贸易委员会’s website listed below.

These federal websites offer information on reporting and repairing identity theft:

• U.S. Department of Education Office of Inspector General (OIG) Hotline (适用于涉及教育署拨款的个案) 
• 联邦贸易委员会 or by phone at 1-877-438-4338
• 社会保障局 
• 消费者金融保护局

If you suspect that your personal information has been stolen to file fraudulent federal income tax returns please report it to the Internal Revenue Service (IRS) at: http://www.irs.gov /身份-theft-central

亚利桑那州司法部长 身份盗窃 page tips:

• File an 身份盗窃 Report with the 联邦贸易委员会 to obtain an 身份盗窃 Affidavit.
• File a report with your local county or city law enforcement agency. You do not need to know the name of the person who used your identity. You can show the police the information you have such as debt collection letters or other indications that you are the victim of this crime.
• Notify all three credit reporting agencies and every debt collector that has contacted you.

你也可以浏览 IdentityTheft.gov 了解更多.

三家全国性征信机构有一个集中的网站, 免费电话号码, and mailing address so you can order your free annual report in one place. 不单独联系三个全国征信机构吗. 这些是订购免费信用报告的唯一方法:

• Visit AnnualCreditReport.com
• Call 1-877-322-8228
• 完成 年度信用报告申请表 邮寄至:

年度信用报告请求服务
P.O. Box 105281
亚特兰大，GA 30348-5281

〇只有一个网站 AnnualCreditReport.com — is authorized to fill orders for the free annual credit report you are entitled to under law.

我多久能得到一次免费报告?

Federal law gives you the right to get a free copy of your credit report every 12 months. 到2023年12月，在美国的每个人.S. can get a free credit report each week from all three nationwide credit bureaus (Equifax, Experian, 和TransUnion) AnnualCreditReport.com.

而且，在美国的每个人.S. can get six free credit reports per year through 2026 by visiting the Equifax网站 或者通过呼叫 1-866-349-5191. That’s in addition to the one free Equifax report (plus your Experian and TransUnion reports) you can get at AnnualCreditReport.com.