We want your Target shopping experience to be safe and secure. That's why we'll call you if we notice unusual transactions on your account. We also offer the following tips and information to help you protect yourself from identity theft, or repair your credit if you've become a victim.
This guide is not intended to be comprehensive, and the actual steps you take will depend on your circumstances. A comprehensive list of resources is included at the end of this guide.
Identity theft is the fastest-growing financial crime in the United States, with millions of victims to date. Criminals take names, Social Security Numbers and other personal information to obtain credit, property and services. If it happens to you, steps can be taken to limit the damage to your good name.
Identity theft occurs when someone takes your personal Information, such as your social Security Number or a credit card number. and uses that information in a fraudulent way. This information can come from a variety of sources, such as:
There are many free and easy steps that you can take to help protect yourself against credit fraud and identity theft.
Report the incident to the police in the city where the crime was committed:
Contact each company that may have been affected. Call and send follow-up letters to every company where you think your name may have been used fraudulently in some way - credit card issuers, department stores, utility companies or others. In addition, do the following:
Call all three major credit bureaus to request that a fraud alert be added to your credit file. Ask each bureau to do the following:
Attn: Fraud Unit
P.O. Box 740241
Atlanta, Georgia 30374
Attn: Consumer Credit Fraud Assistance Department
P.O. Box 9532
Allen, Texas 75013
888-EXPERIAN or 888-397-3742
(select option for fraud)
Attn: Victim Assistance Department
P.O. Box 6790
Fullerton, CA 92834
Contact Government AgenciesFederal Trade Commission
Watch Your MailLook for additional evidence of fraudulent activity in your mail and credit card bills. Report any new evidence to the credit bureaus, affected companies, and the police.
Target Card Services is ready to assist you if someone has stolen your identity, fraudulently opened and/or used a credit card account with TD Bank USA, N.A. or fraudulently opened and/or used a Target Debit Card. If you've experienced fraud in connection with a Target® Visa® Credit Card, Target Credit Card® or Target Debit Card™ call the following number to reach a Guest Services Representative:
Target Visa Credit Card: 888-755-5856
Target Credit Card: 800-659-2396
Target Debit Card: 888-729-7331
Target Card Services takes a proactive approach to fighting fraud and identity theft. When a transaction or REDcard (Target Visa Credit Card, Target Credit Card or Target Debit Card) application looks suspicious, we will call you to verify that you have authorized the application or transaction. You are not responsible for any charges or transactions on your REDcard that you did not authorize. We will work to quickly resolve any fraud situations you may have with your REDcard.
For some online account changes or other changes to your REDcard, you may be prompted to provide additional information about yourself, your account or your REDcard. This helps us ensure that we are talking to the right guest and reduces the risk of fraud and the possibility of identity theft.
Phishing and Pharming are two ways your identity can be compromised. These scams often begin with an e-mail from a legitimate looking site, like a merchant that you use or your bank. These e-mails will often ask you to click on a link to update your information or change your account in some way. These links lead to very legitimate looking sites, but are not associated with the company they pretend to be. Target will not send you an e-mail that requests personal information. If you ever have a concern about a Target e-mail, do not give out any information. Call the Guest Relations number (800) 440-0680 to verify that you were working with an official Target web site. If you receive an e-mail that you believe is fraudulent, please send it to email@example.com.
Here are some other useful contacts regarding Identity theft and online scams.
Federal Trade Commission
(FTC) - the FTC maintains an identity theft website that you may find helpful: www.consumer.gov/idtheft 1-877-IDTHEFT (438-4338)
The three major credit bureaus
Federal Deposit Insurance Corporation (FDIC)
This online video give useful information on how to avoid online scams.
A detailed look at fighting back against Identity theft.
REDcard®: Target Debit Card, Target Credit Card, and Target® Visa® Credit Card. Subject to application approval (Target Visa Credit Card not available to new applicants). The REDcard credit cards are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.Identity Protection Guide ›