Initial Fraud Alerts

Initial Fraud Alerts

http://www.freeannualcreditreportnow.com/

In the United States, under the provisions of the Fair and Accurate Credit Transactions Act (FACTA), if you have reason to suspect that you are a victim of fraud or identity theft, or are about to become a victim of fraud, you can place an initial fraud alert, or security statement, on your credit file for a period of ninety days in order to alert prospective credit grantors and attempt to keep thieves from opening new credit accounts in your name. You can remove the fraud alert prior to 90 days if you request it and provide proof of your identity. The fraud alert must be renewed prior to the 90 day expiration in order for it to remain active.