Pretexting & Identity Theft: What Consumers Should Know Pretexting is a form of identity theft where scammers obtain your personal or financial information by pretending to be someone you trust—such as a bank, employer, government agency, or service provider. These scams often lead to fraudulent accounts, collections, and credit report errors.

How Pretexting Works Scammers may:

• Pose as banks, lenders, or credit card companies
• Claim to be government agencies or debt collectors
• Use emails, phone calls, texts, or fake websites
• Ask for Social Security numbers, account details, or login information

Once information is obtained, it may be used to open accounts, rack up debt, or damage your credit.

Signs You May Be a Victim

• Accounts or inquiries you don’t recognize
• Collections for debts you never opened
• Sudden drops in your credit score
• Calls or letters about unfamiliar loans or credit cards

How Pretexting Affects Your Credit

• Fraudulent accounts may appear on your credit reports
• Missed payments and collections can lower your score
• Errors can remain until properly disputed and corrected

How to Protect Yourself

• Never share personal information with unsolicited callers or emails
• Verify requests by contacting companies directly using official numbers
• Monitor your credit reports regularly
• Consider placing a fraud alert or credit freeze if suspicious activity occurs

How We Help If identity theft or pretexting has affected your credit:

• We help identify fraud-related accounts on your credit reports
• Prepare disputes for inaccurate or unauthorized information
• Assist with proper documentation requests under the Fair Credit Reporting Act (FCRA)
• Guide you through next steps to protect your credit moving forward

Important Disclosure We do not provide legal or law enforcement services. Victims of identity theft may also need to file reports with the FTC and local authorities as part of the recovery process.
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