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| Real Life Information... on Everyday Life Topics - RECOVER FROM IDENTITY THEFT |
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What is a Fraud Alert?
There are two types of fraud alerts: an initial alert,
and an extended alert.
An initial fraud alert stays on your credit report for
at least 90 days. You may ask that an initial fraud
alert be placed on your credit report if you suspect
and an extended alert.
An initial fraud alert stays on your credit report for
at least 90 days. You may ask that an initial fraud
alert be placed on your credit report if you suspect
What does a fraud alert not do?
While a fraud alert can help keep an identity thief from opening new accounts in your
name, it’s not a solution to all types of identity theft. It will not protect you from an
identity thief using your existing credit cards or other accounts. It also will not protect
you from an identity thief opening new accounts in your name that do not require a
credit check – such as a telephone, wireless, or bank account. And, if there’s identity
theft already going on when you place the fraud alert, the fraud alert alone won’t stop
it. A fraud alert, however, can be extremely useful in stopping identity theft that
involves opening a new line of credit.
Next: What is a Credit Freeze?
Back to: Recover from Identity Theft Overview
While a fraud alert can help keep an identity thief from opening new accounts in your
name, it’s not a solution to all types of identity theft. It will not protect you from an
identity thief using your existing credit cards or other accounts. It also will not protect
you from an identity thief opening new accounts in your name that do not require a
credit check – such as a telephone, wireless, or bank account. And, if there’s identity
theft already going on when you place the fraud alert, the fraud alert alone won’t stop
it. A fraud alert, however, can be extremely useful in stopping identity theft that
involves opening a new line of credit.
Next: What is a Credit Freeze?
Back to: Recover from Identity Theft Overview
you have been, or are about to be, a victim of identity theft. An initial alert is appropriate
if your wallet has been stolen or if you've been taken in by a "phishing" scam. With an
initial fraud alert, potential creditors must use what the law refers to as “reasonable
policies and procedures” to verify your identity before issuing credit in your name.
if your wallet has been stolen or if you've been taken in by a "phishing" scam. With an
initial fraud alert, potential creditors must use what the law refers to as “reasonable
policies and procedures” to verify your identity before issuing credit in your name.
However, the steps potential creditors take to verify your identity may not always alert
them that the applicant is not you. When you place an initial fraud alert on your credit
consumer reporting companies, and, if you ask, only the last four digits of your Social
Security number will appear on your credit reports.
them that the applicant is not you. When you place an initial fraud alert on your credit
consumer reporting companies, and, if you ask, only the last four digits of your Social
Security number will appear on your credit reports.
As mentioned, depending on the type of fraud alert you place, potential creditors must
either contact you or take reasonable steps to verify your identity. This may cause
some delays if you're trying to obtain credit. To compensate for possible delays, you
may wish to include a cell phone number, where you can be reached easily, in your
alert. Remember to keep all contact information in your alert current.
either contact you or take reasonable steps to verify your identity. This may cause
some delays if you're trying to obtain credit. To compensate for possible delays, you
may wish to include a cell phone number, where you can be reached easily, in your
alert. Remember to keep all contact information in your alert current.
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