Pull your credit reports and list every fake entry

You can't dispute what you can't see — get every report and mark every line that isn't yours.

JDCS

By Jordan Dickson · Reviewed by CSG Security Engineers

Updated June 2026 · 1 min read

Credit fraud is fought on paper. Your credit reports are the source of truth — mark them up once and use them as the master list for every dispute.

Why all three (or all the bureaus in your country)

Lenders only report to some bureaus, so a fraudulent account might appear on one report and not another. You need the full picture.

What counts as fraud

Accounts (cards, loans, BNPL, mobile contracts) you didn't open
Hard inquiries from lenders you never applied to
Addresses, employers or names that aren't yours
Existing accounts with charges or limit increases you didn't authorise

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Written by

Founder, CyberSecurityGuides

Founder of CyberSecurityGuides, writing practical, jargon-free guides that help everyday people recover from and protect against online attacks.

Reviewed by CSG Security Engineers

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