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Which Fraud Alert Is Right for You? Fraud Alert. Extended Fraud Alert. Active Duty Alert. Place when you’re concerned about identity theft. It makes it harder for someone to open a new credit account in your name. It’s free and lasts 1 year.
A fraud alert doesn’t limit access to your credit report, but tells businesses to check with you before opening a new account in your name. Usually, that means calling you first to make sure the person trying to open a new account is really you.
Looking for ways to protect your identity? Two to options to consider are fraud alerts and credit freezes. But what’s the difference?
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A fraud alert is free and lasts one year. A credit freeze limits access to your credit report so no one, including you, can open new accounts until the freeze is lifted. To be fully protected, you must place a freeze with each of the three credit reporting agencies.
Initial fraud alerts, credit freezes, and credit locks: What’s the difference? What you should know about Initial fraud alerts Credit freezes Credit locks Purpose Verify your identity before extending new credit Restricts access to credit file to prevent identity theft Legal protections Based on federal law (Fair Credit Reporting Act)
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The first step in avoiding identity theft, or stopping the damage, is placing a fraud alert on your credit report. This makes it harder for a thief to open new credit in your name, and lets you get free copies of your credit report from each of the three credit bureaus .
Credit monitoring services will usually alert you when. a company checks your credit history; a new loan or credit card account appears on your credit reports; a creditor or debt collector says your payment is late; public records show that you filed for bankruptcy; someone files a lawsuit against you; your credit limit changes
A new FTC Data Spotlight explains how people are losing millions to fraud at BTMs — and how to protect yourself and the people you care about. Consumer Alert Do you have an emergency and recovery plan?