Protecting Your Credit
Placing a Fraud Alert
A fraud alert, when placed on your credit file, alerts creditors to watch for unusual or suspicious activity in any of your accounts, e.g., someone trying to open a credit card account in your name.
If you want to place a fraud alert, contact one of the three major credit reporting agencies.
After you place a fraud alert, you will receive confirmation letters from credit reporting agencies with instructions on how to order free credit reports. If you find anything that looks wrong or suspicious, or that you don't understand in a credit report, call the credit agency at the telephone number listed on the credit report.
Placing a Security Freeze
A security freeze means that your credit information cannot be shared with potential creditors. If your credit card information is frozen, even someone who has your name and Social Security Number would probably not be able to get credit in your name. For more information on how to place a security freeze, please go to the Office of the N.D. Attorney General's web site at http://www.ag.nd.gov/CPAT/SecurityFreeze.htm.
You will find information, instructions and forms for placing a security freeze on your credit information.