![]() ![]() With a fraud alert, if anyone – including you! – tries to open a new credit account in your name or make changes to an existing account, the company must take reasonable steps to confirm your identity, such as contacting you by phone at a number you provide, before granting the request. Security freezes and fraud alerts are not the sameĪ fraud alert is a notice placed on your credit reports that alerts credit card companies and others who may extend you credit that you may have been a victim of fraud, including identity theft. While you may know that, and may even have a security freeze on your credit reports, here are some facts you may not know about security freezes.Ī federal law that went into effect in September 2018 made placing, temporarily lifting, or permanently removing a security freeze free nationwide.Ģ. ![]()
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