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What To Know About Credit Freezes and Fraud Alerts
Credit freezes and fraud alerts can protect you from identity theft or prevent further misuse of your personal information if it was stolen. Learn what they do and how to place them.
* Credit Freezes <https://consumer.ftc.gov/articles/what-know-about-credit-freezes-fraud-alerts#freeze>
* Fraud Alerts <https://consumer.ftc.gov/articles/what-know-about-credit-freezes-fraud-alerts#alerts>
Credit Freezes
Who can place one: Anyone can freeze their credit report, even if their identity has not been stolen.
What it does: A credit freeze restricts access to your credit report, which means you — or others — won’t be able to open a new credit account while the freeze is in place. You can temporarily
lift the credit freeze if you need to apply for new credit. When the freeze is in place, you will still be able to do things like apply for a job, rent an apartment, or buy insurance
without lifting or removing it.
Duration: A credit freeze lasts until you remove it.
Cost: Free
How to place: Contact each of the three credit bureaus <https://linkprotect.cudasvc.com/url?a=https%3a%2f%2fwww.identitytheft.gov%2f%23%2fCreditBureauContacts&c=E,1,_ydDTyGx36jh_qebCSaqjiz4FkrNVrkmyM
dpX8MseM4jJaYnWywTSx2cmW4b070or7ZLWX8Voi1bkoSjCs-hpcyKbX1_vWFHcu0BMOjCNgK81iVfVOkp-U6_&typo=1> — Equifax, Experian, and TransUnion.
Fraud Alerts
Fraud alerts are available in different situations and have different benefits.
Fraud alert
Who can place one: Anyone who suspects fraud can place a fraud alert on their credit report.
What it does: A fraud alert will make it harder for someone to open a new credit account in your name. A business must verify your identity before it issues new credit in your name.
When you place a fraud alert on your credit report, you can get a free copy of your credit report from each of the three credit bureaus.
Duration: A fraud alert lasts one year. After a year, you can renew it.
Cost: Free
How to place: Contact any one of the three credit bureaus <https://linkprotect.cudasvc.com/url?a=https%3a%2f%2fwww.identitytheft.gov%2f%23%2fCreditBureauContacts&c=E,1,X3pHaEMCNGE4ElUJ3oD-yYhGOonnf0g
8WpaAsZkbTYXDuN-PvJ-wMa3waToQUqYfIiuYi61xW6OLt1m9YOxBDMqDtRyosHZqbQib2lk8g8KDdMKj&typo=1> — Equifax, Experian, and TransUnion. You don’t have to contact all three. The credit bureau
you contact must tell the other two to place a fraud alert on your credit report.
Extended fraud alert
Who can place one: An extended fraud alert is only available to people who have had their identity stolen and completed an FTC identity theft report at IdentityTheft.gov <https://linkprotect.cudasvc.
com/url?a=https%3a%2f%2fwww.identitytheft.gov%2f&c=E,1,6m09M6dXlykQLfk93kSUUpRR5d988AOWz_XW6aokhMRhSd0601bzsorAJMr2pG1S00ALVs6JPI375_Qvqvpc50OP0iVuZ9tjhiww6HGf1yk4j9Q9zsI,&typo=1> or
filed a police report.
What it does: Like a fraud alert, an extended fraud alert will make it harder for someone to open a new credit account in your name. A business must contact you before it issues new
credit in your name.
When you place an extended fraud alert on your credit report, you can get a free copy of your credit report from each of the three credit bureaus twice within one year from when you
place the alert, which means you could review your credit report six times in a year.
In addition, the credit bureaus will take you off their marketing lists for unsolicited credit and insurance offers <https://www.consumer.ftc.gov/articles/0148-prescreened-credit-and-insurance-offers
> for five years, unless you ask them not to.
Duration: An extended fraud alert lasts seven years.
Cost: Free
How to place: Contact any one of the three credit bureaus <https://linkprotect.cudasvc.com/url?a=https%3a%2f%2fwww.identitytheft.gov%2f%23%2fCreditBureauContacts&c=E,1,kZT6495ZhxsMNxbyHsp_8Sa5aY6b5ME
7PeCs8c_gImk2sy5Qu_fAqqHk12MWqzZpVV2-mA05_I4_6YJt3nT09CtnH2h2WtWfaLTenhZ7YfDIjFDBExGTIM4,&typo=1> — Equifax, Experian, and TransUnion. You don’t have to contact all three. The credit
bureau you contact must tell the other two to place an extended fraud alert on your credit report.
Active duty alert
Who can place one: Active duty service members can place an active duty fraud alert.
What it does: An active duty fraud alert will make it harder for someone to open a new credit account in your name. A business must verify your identity before it issues new credit in
your name.
In addition, the credit bureaus will take you off their marketing lists for unsolicited credit and insurance offers <https://www.consumer.ftc.gov/articles/0148-prescreened-credit-and-insurance-offers
> for two years, unless you ask them not to.
Duration: An active duty fraud alert lasts one year. After a year, you can renew it for the length of your deployment.
Cost: Free
How to place: Contact any one of the three credit bureaus <https://linkprotect.cudasvc.com/url?a=https%3a%2f%2fwww.identitytheft.gov%2f%23%2fCreditBureauContacts&c=E,1,OJg2LBre_dY6PQlw81it2f0lNSCeD3i
FkRGLFosWI5aZcvRFpS_9aBpMTZxE0nfBdbgk6wULjxKXhdFm-62VjZPPvlpQwsEqnUe2h30Ko2KHy0ZOFz2uUSAmeQ,,&typo=1> — Equifax, Experian, and TransUnion. You don’t have to contact all three. The credit
bureau you contact must tell the other two to place an active duty fraud alert on your credit report.
Free credit monitoring for active duty service members
Active duty service members can get free electronic credit monitoring <https://www.consumer.ftc.gov/articles/what-know-about-identity-theft#services> , which can detect problems that
might be the result of identity theft. To sign up, contact each of the three credit bureaus <https://linkprotect.cudasvc.com/url?a=https%3a%2f%2fwww.identitytheft.gov%2f%23%2fCreditBureauContacts&c=
E,1,Rk-nHLZFtJZfAuABYTFow3UIeQb2aq9jwLH3zJmO4Astt49p4U9gS56CzbG28KyHhRdnhCG649RVy6_Tk92ES4ywpNpFqmORrXmeQRyLqn46fUXKsbagJEhI&typo=1> — Equifax, Experian, and TransUnion.
Which Fraud Alert Is Right for You?
Fraud Alert
Extended Fraud Alert
Active Duty Alert
Place when you’re concerned about identity theft. It makes it harder for someone to open a new credit account in your name. It’s free and lasts 1 year.
Place when you’ve had your identity stolen and completed an FTC identity theft report at IdentityTheft.gov <https://linkprotect.cudasvc.com/url?a=https%3a%2f%2fwww.identitytheft.gov%2f&c=E,1,kK_zg1NM
t2txuko-_J11Tf_9G-4nsxEmdNwCnTuBk9pr_x8qK_jwf6YBLsvDtycqbZodjMAWdDtFem5sM6cO_YWch96r4rJxp9l-Pqw1aicwOA,,&typo=1> or filed a police report. It makes it harder for someone to open a new
credit account in your name and removes you from unsolicited credit and insurance offers <https://www.consumer.ftc.gov/articles/0148-prescreened-credit-and-insurance-offers> for 5
years. It’s free and lasts 7 years.
Place when you’re on active military duty. It makes it harder for someone to open a new credit account in your name and removes you from unsolicited credit and insurance offers <https://www.consumer.
ftc.gov/articles/0148-prescreened-credit-and-insurance-offers> for 2 years. It’s free and lasts 1 year.
Lieutenant David Infante
Fraud & Cyber Crimes Bureau
11515 South Colima Road M-101
Whittier, CA 90604
(562) 347-2633
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