Any time you suspect fraud you should place a fraud alert with all three credit reporting agencies. They will place a 90-day alert on your account, which can be extended. They will also send you a copy of your report to be sure there aren't other problems. These are the contact numbers to report fraud:

• Equifax - 1-800-525-6285
• Experian - 1-888-397-3742
• TransUnion - 1-800-680-7289

You can never err by being too cautious. It's better to report a possible fraud attempt and be wrong, than not to report one and allow a problem to continue to grow and fester.