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A fraud alert is a tool that is used by people, who had their identity stolen in some way, or think that perhaps it may be stolen. With a fraud alert in place potential creditors cannot extend credit to you until they contact you first. They have a choice to contact you directly, or use a provision in the fraud alert law that states they must use “reasonable policies and procedures” to verify your identity before issuing credit in your name. [br][br]With a credit freeze on your credit report, this will help prevent pontential creditors and may other companies from accessing your credit report, unless you already deal with them on a one-to-one basis. Credit freezes are used by consumers because it gives them a sense that they have more protection than just having a fraud alert placed on their report. [br][br]Just as with fraud alerts, credit freezes are only effective against new credit accounts being opened in your name. Neither the fraud alert nor the credit freeze will stop thieves from using your existing accounts, or opening new accounts where credit checks are not required. [br] |
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sorry,I don't know it.I can't give you a hand. |
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A persons identity can be 'borrowed' for the purpose of creating fictional credit cards or a persons entire identity can be usurped to the point where they can have difficulty proving that they really are who they claim to be.
Up to 18% of identity theft victims take as long as four years to realize that their identity has been stolen.
There are many ways to protect your personal identity and many steps you can take to prevent your identity from being stolen:
*Never give out unnecessary personal information
*Never provide bank details or social security numbers over the Internet
*Always remain aware of who is standing behind you when you type in your personal credit codes at ATM machines and at supermarket checkout swipe machines.