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Additional Credit Protection Options

 

Free Credit Reports

You can request a free copy of your credit report once a year from each of the credit bureaus by calling eh Annual Credit Report Request Service at 1-877-322-8228, or you may request it on-line at https://www.annualcreditreport.com/cra/index.jsp.

Free Fraud Alerts

If you have placed a Fraud Alert on your credit information, you will be able to extend the 90-day alert on your credit information when it expires. There is no limit to the number of times a free alert can be placed on your account. Remember, you must remember to reinstate the alert when it expires.

In certain circumstances, free alerts extending as long as seven years are available. In order to receive such an extension, you must demonstrate that a crime has been committed against you.

In suspicious activity occurs on your account while a fraud alert is active, the credit reporting agency that has detected the activity will alert you. You will be able to take this notification to any law enforcement agency and file a crime report.

Security Freeze

If you live in North Dakota, you have the right to put a security freeze on your credit information. A security freeze prevents your file from being shared with potential creditors. I can help prevent identity theft. Most businesses will not open accounts without first checking a consumer's credit history. If your credit information is frozen, even if someone who has your name and Social Security Number will not be able to get credit in your name.

There is a charge by each credit bureau for placing a security freeze on your credit information. This charge is $5.00 per credit bureau.

Security freezes are also offered in other states. The charges for the freezes will vary from state to state.

 


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Last Updated: Thursday, June 11, 2009