LifeLock is the service that offers protection against identity theft. The CEO of LifeLock is a person called Todd Davis. What is LifeLock is in essence is provide you with a few services and guarantees. It automatically orders your three free credit reports from AnnualCreditReport.com every year. It automatically opts you’re from free credit card Full Article…
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Fighting Identity Theft with Fraud Alert
What Is a Fraud Alert? When a person suspects that his personal information has been compromised or has been a victim of identity theft he can place a fraud alert on your credit report. A fraud alert on the credit report is notification to any creditor accessing your credit report that he needs to a Full Article…
How to Place a Fraud Alert on Your Credit Report
If you suspect that your personal information has been stolen and can be used to make fraudulent transactions to open new accounts for seeing your name than you may place an initial fraud alert on your credit report. There are two kinds of fraud alerts that can be placed on the credit report. There is Full Article…
Ways to Prevent And Fight Identity Theft
It can take months and even years to clear your identity once a thief has stolen it. This process can include getting your credit reports filing affidavits and proving the theft. The time and effort required to caring an identity theft depends upon the civility of the debt and the duration of which it has Full Article…
Does Credit Monitoring Prevent Identity Theft?
Using a credit monitoring service can lull people into a false sense of security that they are protected against identity theft. This is not necessarily true. What a credit monitoring service this is that at a crisis you fairly early when suspicious charges and fraudulent activities appear on your credit report. People have become more Full Article…
How to Freeze Your Credit Report
A security freeze on a credit report prevents creditors and lenders from accessing your credit report freely. When you put a security freeze on your credit report you are provided with a password or pin number from the credit bureau that you can use to lift the freeze temporarily or completely when you are shopping Full Article…
State Laws about Security Freezes
Most of the states have federal law requiring the credit bureaus to allow security freeze on the credit reports. This applies to the three main national credit bureaus Experian, TransUnion and Equifax. However nine states of Alabama, Alaska, Georgia, Iowa, Michigan, Missouri, Ohio and Virginia do not have these laws in effect. However in all Full Article…
Should You Freeze Your Credit Report
You can conserve freezing your credit report if you have been a victim of identity theft or your credit card has been stolen. In any instance where you suspect that your financial information has been compromised so that a person can use your identity to make fraudulent transactions or open new fraudulent account you can Full Article…
Social Security number and birth date is not enough to Access Credit Report
Circumstances arise when a person’s personal details such as name and address and even the Social Security number can get compromised. The most common scenario is when the wallet or the purse of a consumer gets stolen. However, you should know that having the name, Social Security number, birth date and address is not really Full Article…
Change of Information on a Frozen Credit Report
Even if you have placed a security freeze on your credit report it is possible that you may get a notification of a change of information on your credit report. In most cases you do not need to panic on getting such a notification because it is most likely to have come from one of Full Article…