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Fraud Alerts

What are fraud alerts?

They are notifications or "security flags" that are placed on your credit reports that require any business to verify your identity before issuing credit in your name.
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Anyone seeking to issue you a new credit card, grant you a loan on a purchase, increase your credit lines, provide you insurance, sell you insurance or a cell phone, etc. must take extra care to verify that you are actually the one they are doing business with and that the transaction is valid to prevent identity theft from happening.

Who can set fraud alerts?

Any person can set alerts on their credit report with each of the three major credit reporting bureaus. However, they must be reset every 90 days. Failure to reset them will leave you vulnerable to identity thieves who can open accounts, gain credit cards, get lines of credit, etc. in your name. For more information about fraud alerts, Click Here and then scroll down to the Credit Reports Section.

For most people, this is like changing oil in the car. They could do it, but they either don't have the time or lack the desire to tackle it. They would rather let the specialists handle it and make sure it is done correctly.

There are several Identity Theft Protection Companies that specialize in protecting your good name and preventing identity theft from happening. They are the experts that make sure you are not victimized by identity thieves.

What do Identity Theft Protection Companies do?

First of all, they contact each of the credit bureaus and set fraud alerts on your behalf, which will normally be completed within a very short time of becoming a client.

Second, they will reset these every 90 days and will make sure that it is done correctly so that you stay protected.

Third, each year they will order your free credit reports from the major credit bureaus and have them mailed directly to you.

Fourth, these companies will work hard to prevent identity theft from ever happening to you, but in case it does, they will provide you with representation, reimbursement, and other assistance.

You can do some of what these companies provide for you as a service, or you can put it into the hands of the experts and not worry about it. Don't you think it is worth the peace of mind knowing that you have a professional partner to stand with you in the fight against identity theft, and that you and your family are protected, especially if anything were to ever happen?!!



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