![]() ![]() ![]() This kind of fraud alert could be helpful if you know youâll need to apply for credit in the near future, and donât want to place a freeze on your credit. Then, theyâre more likely to ask for additional authentication when someone tries to open a new account in your name. But this type of alert will tell them that youâve been the victim of fraud. You can also set a type of fraud alert that will warn potential creditors to get extra identification from you. This isnât as airtight as a credit freeze, but it may help. It will also require credit reporting companies to take your name off of marketing lists for prescreened credit offers. This will let you get two free credit reports within twelve months. If youâve been a victim of identity theft, you can place an extended fraud alert on all three of your major credit bureau files. Place an extended fraud alert on your file. In some states, if youâve already been the victim of credit fraud, you can place and lift the credit freeze for free. But if youâre at high risk, it can be a wise move. If youâre at a low risk of credit theft, this can be a hassle. Placing a credit freeze may cost money, and removing it can cost, too. This will make it very difficult for someone to open a new credit account in your name. ![]() Think about placing a freeze on your credit. Visit to get started on a plan to remedy this issue. Youâll need to follow steps to report the potential identity theft and get the account removed from your credit report. If you see any items on your credit reports that you donât recognize, contact the creditor and the reporting bureau immediately. ![]() You can get your free annual credit reports from You can also get your reports along with your credit scores directly from FICO. Next, check your credit reports now so that you have a baseline. You can find a list of free credit score services here. I use several of them and receive email alerts when changes appear on my credit report. If you have a credit report, youâre likely one of the 143 million Americans whose data may have been exposed, according to the Federal Trade Commission.įor this reason, consumers should also enroll in several free credit score services. As widely reported, the credit reporting bureau Equifax was recently hacked. ![]()
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