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Hi Joyce, I'm sorry to hear that about her wallet.
You can set-up a credit fraud alert with any of the three major credit bureaus: Experian, Equifax or TransUnion.
They should notify each other so you don't need to contact all 3 of them.
There are 3 types of alerts to consider:
- Initial 90 credit fraud alert (typically set-up online)
- Extended 7 year fraud alert (submitted via a form or online)
- Active duty alert
You can find more details on fraud alerts here: http://www.aprfinder.com/how-to-set-up-credit-fraud-alert
She will need a few pieces of documentation to verify her identity.
If your daughter had credit or debit cards in her wallet she should also contact here creditors and other financial institutions to put a freeze on her credit and issue her new credit card numbers.
My daughter is in New York on phone, her wallet was stolen and I need her credit alert on.
There are two things you can do here: You can contact each of the credit bureaus by sending them a letter explaining the situation and providing proof of the sale. You'll also want to make sure you show them the list of debtors included in the bankruptcy so they can verify your mortgage lender isn't list. Or, since it has been about 6 years since your bankruptcy, you could wait another year and the mortgage loan should have fallen off by then.
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