Consider the following...
Identity theft continues to be a campant and troubling crime in America.
Each year, an estimated 10 million people are victimized by identity theft.
Identity theft can affect your ability to conduct normal daily affairs.
Help prevent thieves from stealing your identity and damaging your credit. (Activating an alert takes 2-3 minutes)
If you are a victim of identity theft or believe that your personal information may have been compromised, a fraud alert is an important step in helping prevent fraudulent accounts from being opened in your name. A "fraud" or "security" alert is a consumer statement that can be placed on your credit file asking creditors to contact you to verify your identity before issuing credit in your name.
An initial fraud alert is free to all consumers and remains on your credit file for 90 days. To place an initial fraud alert, contact one of the national credit reporting agencies:
Once one of the credit reporting agencies has received and confirmed your fraud alert, they are required to contact the other two agencies and forward on your request. You will also benefit from placing a fraud alert by receiving a free credit report offer from each of the credit reporting agencies after your fraud alert is in place. You have 90 days to accept the free credit report offer.
“Extended” Fraud Alert
Victims of identity theft may request an extended 7 year fraud alert by submitting their request in writing to each of the national credit reporting agencies and supplying an incident report along with documents supporting identity verification. Like the initial fraud alert, creditors must take reasonable steps to verify your identity before issuing credit in your name.
The extended fraud alert will also allow consumers to receive two free copies of their credit report from each of the national credit reporting agencies within the following 12-month period. The national credit reporting agencies will remove your name from pre-screened marketing offers of credit and insurance for five years.
“Active Duty” Alert
Military service personnel who are called to active duty or deployed may request an "active duty" fraud alert. The active duty alert stays on your credit file for twelve months and can be requested by phone or mail to the national credit reporting agencies. Military personnel may name a representative while they are deployed to place or remove the alert.
The national credit reporting agencies will remove your name from pre-screened marketing offers of credit and insurance for two years.
If you are enrolled in one of our programs and need assistance placing a fraud alert on your credit files, or have questions, please contact us at: