Information Protection @ MIT

Credit Monitoring

Personal information is easy to steal, and it's valuable once stolen, especially the information that links you to your financial resources. To determine if your personal financial information has been used by a criminal, obtain a copy of your credit report by contacting the three credit-reporting bureaus (Equifax, Experian, and TransUnion).

The federal Fair Credit Reporting Act enables you to obtain a free copy of your credit report annually from each of the three credit bureaus listed on this page. When contacting the credit bureaus by telephone, please listen to the menus carefully and fully before making your request. It may take up to two weeks to receive the report through the mail. You can receive your credit reports on-line immediately by going to and filling out the required information. Or you can contact the three major credit bureaus directly listed on this page.

You should review your report carefully for any suspicious activity. Specifically, look for inquiries you didn’t initiate, accounts you didn’t open and unexplained debts on your accounts. Also check to see that information such as name, address, Social Security number, employer, etc. are correct. Inaccuracies in this information may also be due to typographical errors, but in any case it is important to correct the errors by notifying the credit bureau by telephone and in writing.