You can place an Initial Fraud Alert on your credit report if you have a good faith suspicion that you have been or will be a victim of identity theft or fraud. It is a good first step if you are worried your identity has or will be stolen. You don’t have to wait until it happens to you. Once you place this alert on your credit report:
- Lenders are notified you have an alert on your credit report and they must take reasonable steps to verify requester’s identity before approving new credit.
- This alert lasts 90 days unless you remove it sooner.
- You have a right to one free credit report from Equifax, Experian and Trans Union, each, in addition to the free annual report all consumers are entitled to at annualcreditreport.com.
To add this alert, you can call, go online or write to one of the credit reporting agencies (Equifax, Experian or Trans Union).