Recognize Fraud, Protect Your Reports, and Take Informed Action.
Learn about credit freezes, fraud alerts, unfamiliar accounts, identity theft reports, documentation, and the steps consumers commonly consider after discovering suspicious activity.
Identity Theft & Fraud Lessons
Use these lessons to build your knowledge one question at a time.
Signs of Identity Theft
Explore a clear, consumer-focused lesson covering this topic, common questions, practical considerations, and related rights.
How Credit Freezes Work
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Fraud Alerts Explained
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What to Do About an Unfamiliar Account
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IdentityTheft.gov Reports
Explore a clear, consumer-focused lesson covering this topic, common questions, practical considerations, and related rights.
Protecting Personal Information
Explore a clear, consumer-focused lesson covering this topic, common questions, practical considerations, and related rights.
Synthetic Identity Fraud
Explore a clear, consumer-focused lesson covering this topic, common questions, practical considerations, and related rights.
Recovering After Identity Theft
Explore a clear, consumer-focused lesson covering this topic, common questions, practical considerations, and related rights.
Clear Information. Honest Expectations.
Maximum FICO Score provides consumer-focused education designed to help people understand credit information before making decisions.
Get Started- No guaranteed score increases, removals, or approvals.
- Accurate and verifiable information may remain on a credit report.
- Consumers may dispute possible inaccuracies directly at no cost.
- Educational information is not legal, tax, lending, or financial advice.
Identity Theft & Fraud FAQs
Will a credit freeze hurt my score?
Do I need to freeze all three bureaus?
Should I keep records?
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Educational disclosure: This page provides general educational information and does not constitute legal, financial, tax, lending, or credit advice. Maximum FICO Score cannot guarantee any specific credit-score increase, item removal, or loan approval and cannot remove accurate, verifiable information. Consumers may dispute inaccurate information directly with the credit reporting agencies at no cost. Results vary by individual credit profile. FICO® is a registered trademark of Fair Isaac Corporation.