Reply
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Does Fraud Alert really works

[ Edited ]

darrell wrote:

Hello,

 

I just placed a 90 day fraud alert after my wife threaten to open an account in my name. She knows all my personal information. Long story!!

 

Any examples of the fraund alert actually working? I know the credtiors are not required to call if new account is opened. 

 

I am thinking of freezing credit lines for a few years.

 

Thanks for the comments


In my opinion you would be better served by initiating a voluntary credit freeze on all of your credit reports.

The freeze can be lifted later on.

Specifically, when you get your fraud alert letter, you will want to request your free full credit report  from each burea that  you are entitled to, and then review the report to be sure that there are no new addresses reported, and that there are no new inquiries reporting that you did not initiate.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+