Call me at my phone number 12 before extending credit."Īn initial fraud alert lasts 90 days. If an imposter attempts to obtain credit in your name, the creditor will check your credit and will encounter a statement that says something to this effect: "I may be a victim of fraud. Learn more.Īn alert places a statement on your credit report. If eligible, you may receive free Equifax reports here: Most consumers are eligible for free credit monitoring and a free credit score from TransUnion. You may also be eligible for a free copy of your credit report for other reasons, including if you were denied credit or recently placed a fraud alert on your file. All consumers can obtain a free annual credit report from each of the three major credit-reporting agencies, regardless of whether they have been identity theft victims. Creditors should contact you prior to opening a new account.Ĭan I receive copies of my credit reports without requesting a fraud alert or freeze? An alert does not block potential new credit, but places a comment on your history. A fraud alert is a less restrictive option and may help prevent fraud.Please note that a credit freeze will not stop a credit reporting agency from sharing your credit file for purposes that are not related to credit. Individuals can request that a freeze be temporarily lifted for the purpose of obtaining new credit. You, too, will not be able to open new credit while a freeze is in place. A security freeze means that your credit file cannot be shared with potential creditors.What is the difference between a fraud alert and a freeze? Which option is right for you will depend on your situation. Instructions are provided for obtaining a credit report security freeze, a fraud alert or a free copy of your credit report. Coverage may not be available in all jurisdictions.Several tools are available to help identity theft victims and potential victims in Washington. Please refer to the actual policies for terms, conditions, and exclusions of coverage. The Identity Theft Insurance benefit is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company, under group or blanket policies issued to Equifax, Inc., or its respective affiliates for the benefit of its Members. To opt out of such pre-approved offers, visit Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Global Consumer Solutions which provide you with access to your credit report or credit score or monitor your credit file Federal, state and local government agencies companies reviewing your application for employment companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe for fraud detection and prevention purposes and companies that wish to make pre-approved offers of credit or insurance to you. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. You may cancel at any time however, we do not provide partial month refunds. We will immediately charge your card the price stated and will charge the card the price stated for each month you continue your subscription. We will require you to provide your payment information when you sign up.
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