Welcome to...'How a fraud alert can help you'
Are you a victim of identity theft? If so, you've come to the right place to find usefully information what to do and how placing a fraud alert the top three credit reporting bureaus will make a big difference in getting your identity back on track.
This fraud alert lens is brought to you by Identity Theft and Legal Rights, a blog geared to helping people protect both their identity and their legal rights.
IF YOU FOUND THIS LENS HELPFUL, PLEASE RATE IT. THANKS!
This fraud alert lens is brought to you by Identity Theft and Legal Rights, a blog geared to helping people protect both their identity and their legal rights.
IF YOU FOUND THIS LENS HELPFUL, PLEASE RATE IT. THANKS!
Features of this 'Fraud Alert' lens:
- Fraud Alert - What does the term mean?
- What is an initial fraud alert?
- ARE YOU A VICTIM OF THE PRIVACY CRISIS?
- Credit Bureaus
- What is an extended fraud alert?
- IDENTITY THEFT PROTECTION AT ITS BEST!
- How to file an identity theft report
- IDENTITY THEFT FEATURED LENSES
- Benefits of an extended fraud alert
- 'Identity Theft' and 'Legal Rights' Twitter
- Pre-Paid Legal & Kroll Partners in the Identity Theft Protection Business
- 'Fraud Alert' Reader Feedback
Fraud Alert - What does the term mean?
In a nutshell, a fraud alert, is a method that consumers can use to alert potential lenders that their identity may have been stolen.
What is an initial fraud alert?
An initial fraud alert stays on your credit report for at least 90 days.
An initial fraud alert can be placed on your credit report if you suspect you have been, or are about to be, a victim of identity theft.
Issuing an initial fraud alert is also appropriate if your wallet has been stolen or if you've been taken in by a "phishing" scam.
With an initial fraud alert, potential creditors must use what the law refers to as "reasonable policies and procedures" to verify your identity before issuing credit in your name.
That said, it is important to note that the steps potential creditors take to verify your identity may not always alert them that the applicant is not you.
Please note that when you place an initial fraud alert on your credit report, you're entitled to order one free credit report from each of the three nationwide consumer reporting companies TransUnion, Equifax, and Experian.
Finally if you make an advance request you can ensure that only the last four digits of your Social Security number will appear on your credit reports.
An initial fraud alert can be placed on your credit report if you suspect you have been, or are about to be, a victim of identity theft.
Issuing an initial fraud alert is also appropriate if your wallet has been stolen or if you've been taken in by a "phishing" scam.
With an initial fraud alert, potential creditors must use what the law refers to as "reasonable policies and procedures" to verify your identity before issuing credit in your name.
That said, it is important to note that the steps potential creditors take to verify your identity may not always alert them that the applicant is not you.
Please note that when you place an initial fraud alert on your credit report, you're entitled to order one free credit report from each of the three nationwide consumer reporting companies TransUnion, Equifax, and Experian.
Finally if you make an advance request you can ensure that only the last four digits of your Social Security number will appear on your credit reports.
ARE YOU A VICTIM OF THE PRIVACY CRISIS?
If so, check out Grant Hall's 'Privacy Crisis - Identity Theft Prevention Plan and Guide to Living Anonymously'
Grant Hall reveals his secret privacy principles and concepts in the #1 Security Book, PRIVACY CRISIS:This information is not available in any other publication. Learn from Grant Hall, author and Privacy Advocate How to:
Bank Anonymously. You can practice complete banking secrecy IN THE U.S.A. All while protecting your money and maintaining complete control over your finances as explained in PRIVACY CRISIS!
Learn to use an alternate identity LEGALLY for privacy. Follow the path of GRANT HALL who successfully used an alternate name for FOUR YEARS to avoid private investigators and all court appearances - LEGALLY.
LEARN TO BEAT THE SYSTEM! ALL LEGAL. TAKE BACK YOUR FREEDOM!
GET PRIVACY CRISIS NOW!
Credit Bureaus
The top three place to issue a fraud alert!
- TransUnion
- Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790
Call 1-800-680-7289 - Equifax
- P.O. Box 740241, Atlanta, GA 30374-0241
Call 1-800-525-6285 - Experian
- P.O. Box 9532, Allen, TX 75013
Call 1-888-EXPERIAN (397-3742);
What is an extended fraud alert?
An extended fraud alert stays on your credit report for seven years.
You can have an extended alert placed on your credit report if you've been a victim of identity theft and you provide the consumer reporting company with an Identity Theft Report.
With an extended fraud alert, potential creditors must actually contact you, or meet with you in person, before they issue you credit.
You can have an extended alert placed on your credit report if you've been a victim of identity theft and you provide the consumer reporting company with an Identity Theft Report.
With an extended fraud alert, potential creditors must actually contact you, or meet with you in person, before they issue you credit.
IDENTITY THEFT PROTECTION AT ITS BEST!
Check out this awesome resource from Grant Hall, an ID Theft Expert!
Privacy Crisis: Identity Theft Prevention Plan and Guide to Anonymous Living by Grant Hall, is thenumber 1, best-selling, identity theft and privacy e-Book sold on the internet today.
Every three seconds an identity is stolen. It costs $2,500 to fix a personal identity
theft problem and over $10,000 to solve a business identity theft disaster. And
insurance-like subscription products do not offer a comprehensive, bulletproof
privacy solution as do the privacy living principles and concepts as described in
Grant Hall's book.
About one in ten people are victims of dangerous stalkers during their lifetimes.
Sadly, certain stalkers have been known to stalk their prey for as long as forty years. It's a societal danger and demands education and lifestyle changes in order
to ensure safety for you and your family.
Banks and Wall Street firms are going out of business at a record pace. The public
has lost confidence during the present financial crisis and needs our banking
secrecy information as described fully in Privacy Crisis.
To reserve your copy of Privacy Crisis: Identity Theft Prevention Plan and Guide to Anonymous Living Click Here!
How to file an identity theft report
An identity theft report is the missing link between an initial fraud alert and obtaining an extended fraud alert.
In a nutshell, an Identity Theft Report is a detailed police report. It includes enough detail about the crime for the credit reporting companies and the businesses involved to verify that you are a victim-and to know which accounts and inaccurate information came from identity theft.
In many cases an automated Identity Theft Report, such as the printed ID Theft Complaint available from via .... should be sufficient to obtain an extended fraud alert.
In a nutshell, an Identity Theft Report is a detailed police report. It includes enough detail about the crime for the credit reporting companies and the businesses involved to verify that you are a victim-and to know which accounts and inaccurate information came from identity theft.
In many cases an automated Identity Theft Report, such as the printed ID Theft Complaint available from via .... should be sufficient to obtain an extended fraud alert.
IDENTITY THEFT FEATURED LENSES
-
What To Do If You're An Identity Theft Victim
-
Welcome to 'What to do if you're an identity theft victim'. I'm assuming your reading this because you are a victim of identity. First off, I'm very sorry to learn you have been a target but I'm here to help you get the identity restoration help you...
-
What Is An Identity Theft Report?
-
When it comes to identity theft it's important to do everything you can to get your identity back on track right away. This identity theft report lens offers up helpful information about just what kind of report it is, why you need it, how to file o...
Benefits of an extended fraud alert
Did you know that when you place an extended alert on your credit report, you're entitled to two free credit reports within twelve months from each of the three nationwide consumer reporting companies?
Furthermore, the consumer reporting companies will remove your name from marketing lists for pre-screened credit offers for five years unless you ask them to put your name back on the list before then.
Furthermore, the consumer reporting companies will remove your name from marketing lists for pre-screened credit offers for five years unless you ask them to put your name back on the list before then.
Pre-Paid Legal & Kroll Partners in the Identity Theft Protection Business
Did you know that in 2003, Pre-Paid Legal entered into a joint marketing agreement with risk-consulting company Kroll, Inc.? This partnership allows Pre-Paid Legal Services Inc. to market Kroll's Identity Theft Shield to consumers.
Previously Kroll had only developed products for large corporations and didn't have a sales force geared towards individual consumers.
With Prepaid Legal's Identity Theft Shield plan you are given a credit report upon enrollment which is monitored on a daily basis. Activity notices are then sent to you via email, postal mail, or by telephone.
Furthermore should a theft of identity occurs while you are enrolled as a member of the plan, Kroll will provide you with its identity restoration service via a limited power of attorney.
The Identity Theft Shield may be purchased alongside a a pre-paid legal plan or can be acquired separately.
Unlike other legal plans which require associates to hold insurance licenses in some states, Pre-Paid Legal's Identity Theft Shield is classified as a service product in all states and provinces in which they are offered. It is important to note that because of this classification new associates operating in what is referred to as a "license state", have the freedom to sell the Identity Theft Shield until they obtain their license from the state's Department of Insurance.
'Fraud Alert' Reader Feedback
IF YOU'VE FOUND THIS LENS HELPFUL PLEASE RATE IT! THANKS!
submit
by Ellen-Leigh
I'm a WAHM who is currently exploring the pros and cons of Pre-Paid Legal Inc. and its identity theft plan to determine if it's the right program for... (more)
Explore related pages
Learn how to protect yourself from gumtree scams- I recently had someone email me regarding my article about the gumtree scam. He...
About Identity Theft - Stories of Promises and Failures- This lens will review some of the catastophic personal data breaches and outland...
Identity Theft Can Happen to Anyone: Protect Yours- FTC Findings Undercut Industry Claims that Identity Theft Is Declining By Martin...
Stop Id Theft- So far there have over 400,000 reported cases of ID Theft for children age 2 on...
Identity Theft- After a week of going on vacation with your family, you could suddenly come home...
Identity Theft Protection- Tips, tools and resources on how to prevent identity theft from happening to you...
