Protect Yourself By Placing a Security Alert On Your Credit File
You have the right to place a security alert on your credit file, which will warn anyone
who receives your credit file that your identity have been used without your consent and being advised to verify your identify before issuing any credit.
This security alert may prevent credit, loans, mortgage and financial service from being approved in your name without your consent.
However, it may delay or interfere with with timely approval of any application you make that involves access to your credit file such as a new loan, credit mortgage insurance, rental, empolyment, utilities, cellular phone,and other financial services.
This security alert will remain on your credit report for not less than 45 days after the date the security alert is place on the your file. You have the right to obtain a free copy of credit report every 45 days while the security alert is in effect.
You may call credit bureaus requsting a security alert on your credit file. Experian 1-888-397-3742, TransUnio 1-800-680-7289 and Equifax 1-800-525-628
It’s a good idea to protect ourselves by putting a security alert on our credit file. However, in some cases it won’t be able to help us. Though, we can try.
Comment by Opra — November 23, 2007 @ 4:05 am