We won’t post off-topic comments, repeated identical comments, or comments that include sales pitches or promotions.We expect commenters to treat each other and the blog writers with respect. We review all comments before they are posted, and we won’t post comments that don’t comply with our commenting policy. But keep in mind, this is a moderated blog. Your thoughts, ideas, and concerns are welcome, and we encourage comments. The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. Want to share what you’ve learned about fraud alerts and credit freezes? Order these free flyers to hand out in your community. To place a fraud alert or credit freeze, use the credit bureau contact information listed below. Often, that includes older adults, people under guardianship, and children. But freezes are generally best for people who aren’t planning to take out new credit. With a fraud alert, you keep access to your credit. Both fraud alerts and credit freezes can make it harder for identity thieves to open new accounts in your name. Which is right for you? It depends on your personal circumstances. A credit freeze is free and lasts until you lift it. You’ll usually get a PIN or password to use each time you place or lift the freeze. To be fully protected, you must place a freeze with each of the three credit reporting agencies. A fraud alert is free and lasts one year.Ī credit freeze limits access to your credit report so no one, including you, can open new accounts until the freeze is lifted. Placing a fraud alert is easy – you contact any one of the three nationwide credit reporting agencies (Equifax, Experian, TransUnion) and that one must notify the other two. Usually, that means calling you to check if you’re really trying to open a new account. But what’s the difference?Ī fraud alert makes companies verify your identity before granting new credit in your name. Looking for ways to protect your identity? Two to options to consider are fraud alerts and credit freezes. Identity Theft and Online Security Show/hide Identity Theft and Online Security menu items.Unwanted Calls, Emails, and Texts Show/hide Unwanted Calls, Emails, and Texts menu items.Money-Making Opportunities and Investments.Jobs and Making Money Show/hide Jobs and Making Money menu items.
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |