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Submitted URL: https://click.email.ticketmaster.com/?qs=db2b4964b1ee4df54feeaa6f9e32afbf10e0e831023f274bc12884d50c29404331583b19432d3738d5f46c4ff1bf...
Effective URL: https://www.equifax.com/personal/credit-report-services/credit-fraud-alerts
Submission: On July 02 via api from US — Scanned from DE
Effective URL: https://www.equifax.com/personal/credit-report-services/credit-fraud-alerts
Submission: On July 02 via api from US — Scanned from DE
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<div class="lendingtree-promo_content-description d-md-none mb-3">Equifax will communicate your zip code and your selected credit score band to LendingTree. Equifax does not receive or use any other information you provide about your request. <br>
<span style="font-size: 13px;">Offers not available in all states. Input your home zip code to check eligibility.</span></div>
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<div class="lendingtree-promo_content-description d-md-none mb-3">Answer a few simple questions about your loan request. Equifax will send your zip code and the purpose of the loan you are interested in to LendingTree. Equifax does not receive or
use any other information you provide about your request. LendingTree will share your information with their network of providers.<br><span style="font-size: 13px;">Offers not available in all states. Input your home zip code to check
eligibility.</span></div>
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<div class="lendingtree-promo_content-description d-md-none mb-3">Answer a few simple questions about your loan request. Equifax will send your zip code and the type of loan you are interested in to LendingTree. Equifax does not receive or use any
other information you provide about your request. LendingTree will share your information with their network of providers.<br><span style="font-size: 13px;">Offers not available in all states. Input your home zip code to check eligibility.</span>
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<div class="lendingtree-promo_content-description d-md-none mb-3">Answer a few simple questions about your insurance quote request. Equifax will send your zip code and the type of insurance you are interested into LendingTree. Equifax does not
receive or use any other information you provide about your request. LendingTree will share your information with their network of providers.<br><span style="font-size: 13px;">Offers not available in all states. Input your home zip code to check
eligibility.</span></div>
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<form action="#" aria-hidden="true" class="hide" id="hrefFm" method="post" name="hrefFm"><span></span><button hidden="" type="submit">Hidden</button></form>Text Content
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Equifax will communicate your zip code and your selected credit score band to
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provide about your request.
Offers not available in all states. Input your home zip code to check
eligibility.
Equifax will communicate your zip code and your selected credit score band to
LendingTree. Equifax does not receive or use any other information you
provide about your request.
Offers not available in all states. Input your home zip code to check
eligibility.
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request. LendingTree will share your information with their network of
providers.
Offers not available in all states. Input your home zip code to check
eligibility.
Answer a few simple questions about your loan request. Equifax will send your
zip code and the purpose of the loan you are interested in to LendingTree.
Equifax does not receive or use any other information you provide about your
request. LendingTree will share your information with their network of
providers.
Offers not available in all states. Input your home zip code to check
eligibility.
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LendingTree will share your information with their network of providers.
Offers not available in all states. Input your home zip code to check
eligibility.
Answer a few simple questions about your loan request. Equifax will send your
zip code and the type of loan you are interested in to LendingTree. Equifax
does not receive or use any other information you provide about your request.
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their network of providers.
Offers not available in all states. Input your home zip code to check
eligibility.
Answer a few simple questions about your insurance quote request. Equifax
will send your zip code and the type of insurance you are interested into
LendingTree. Equifax does not receive or use any other information you
provide about your request. LendingTree will share your information with
their network of providers.
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2. Equifax Consumer Services Center
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4. Fraud & Active Duty Alerts
FRAUD AND ACTIVE DUTY ALERTS
Let lenders know that you may be a victim of fraud or you’re on active military
duty, so they are encouraged to take extra steps to verify your identity before
granting new credit. Placing a fraud alert or active duty alert is free.
PLACE AN ALERT
How it works
1.
2.
3.
1
Choose the alert that's right for you: initial, extended, or active duty
military.
2
Depending on the alert type, if someone tries to get credit in your name, the
creditor or lender may contact you.
3
If you are contacted by a creditor or lender, confirm whether or not you made
the request to get credit.
Previous Next
Which type of alert might make sense for you?
Initial Fraud Alert
Use this when:
You believe you are, or may become the victim of fraud. An initial fraud alert
is free and lasts for one year.
Get started
Extended Fraud Alert
Use this when:
You've been a victim of ID theft, and you've completed an FTC Identity Theft
Report or police report. An extended fraud alert is free, lasts for seven years,
and removes you from credit card and insurance offers for five years.
Get started
Active Duty Alert
Use this when:
You’re on active military duty. An active duty alert is free, lasts for one
year, and removes you from credit card and insurance offers for two years.
Get started
WHAT YOU NEED TO KNOW
IF I DON’T CREATE AN ACCOUNT OR IF I’M UNDER 18, ARE THERE OTHER WAYS I CAN
PLACE A FRAUD ALERT OR ACTIVE DUTY ALERT?
You must be 18 to create a myEquifax™ account.
Visit Customer Care to learn how to submit requests by phone or mail.
Please note: In order to place a fraud alert, you will need to have an active
Equifax credit report on file.
WHAT IS A FRAUD ALERT?
A fraud alert is a notice on your credit report that alerts creditors you are or
may be a victim of fraud, including identity theft. A fraud alert can make it
harder for someone to open unauthorized accounts in your name. It encourages or
requires lenders and creditors to take extra steps to verify your identity, such
as contacting you by phone, before opening a new credit account in your name or
making changes to existing accounts.
There are two types of fraud alerts you can place on your credit report, and
both are free.
* Initial fraud alert - If you believe you are or may become a victim of fraud
or identity theft, you may place an initial fraud alert on your credit
report. An initial fraud alert remains on your credit report for one year,
unless you choose to remove it sooner, and can be renewed for additional
one-year periods. An initial fraud alert also allows you to request an
additional free copy of your credit reports from the three nationwide credit
bureaus during the 12-month period following the placement of the initial
fraud alert.
* Extended fraud alert - If you have a police report showing you’re a victim of
identity theft, you may place an extended fraud alert on your credit report.
An extended fraud alert remains on your credit report for seven years unless
you choose to remove it sooner. An extended fraud alert also allows you to
request two free credit reports from the three nationwide credit bureaus
during the 12-month period following the placement of the extended fraud
alert, and your name is removed from pre-screened credit card and insurance
offers for 5 years.
You can contact any of the three nationwide credit bureaus to request a fraud
alert. Once you have placed a fraud alert on your credit report with one of the
bureaus, that bureau will send a request to the other two bureaus to do the
same, so you do not have to contact all three.
To place an initial one-year fraud alert, create or sign in to a myEquifax
account, or call our automated line at 888-836-6351. You can also place an
initial fraud alert by mail by downloading and following the instructions on the
Alert Request form.
To place an extended seven-year fraud alert, download and follow the
instructions on the Extended Fraud Alert Request form. You’ll need to include
additional documentation showing you’re a victim of identity theft.
Visit our FAQs to learn more about Security Freezes & Fraud Alerts.
WHAT IS AN ACTIVE DUTY ALERT?
An active duty alert is available for service members on active military duty
who want to help minimize their risk of fraud or identity theft while deployed.
An active duty alert is similar to initial fraud alerts; they can make it harder
for someone to open unauthorized accounts in your name. It encourages lenders
and creditors to take extra steps to verify your identity, such as contacting
you by phone, before taking certain actions, such as opening a new credit
account in your name or increasing your credit limit.
An active duty alert is free and lasts for one year, and your name is removed
from pre-screened credit card and insurance offers for two years. You can
contact any of the three nationwide credit bureaus to request an active duty
alert. Once you have placed an active duty alert on your credit report with one
of the bureaus, that bureau will send a request to the other two bureaus to do
the same, so you do not have to contact all three.
To place an active duty alert, create or sign in to a myEquifax account, or call
our automated line at 888-836-6351. You can also place an active duty alert by
mail by downloading and following the instructions on the Alert Request form.
WHAT'S THE DIFFERENCE BETWEEN A FRAUD ALERT, A CREDIT LOCK, AND A SECURITY
FREEZE?
A fraud alert, a credit report lock, and a security freeze are all steps you can
take to help better protect your personal information, but they aren’t the same
thing.
A fraud alert is a notice that is placed on your credit report that alerts
credit card companies and others who may extend you credit that you may have
been a victim of fraud, including identity theft. Think of it as a “red flag”
that encourages companies to take steps to verify your identity before extending
credit in your name.
You may contact any of the three nationwide credit bureaus — Equifax, Experian,
and TransUnion — to request a fraud alert. Once you place an alert with one of
the bureaus, that bureau will send your request to the other two bureaus.
Fraud alerts are free, and there are two types:
* An initial fraud alert can be placed if you believe you are or may become a
victim of fraud or identity theft. It lasts for one year and can be renewed.
When you or someone else attempts to open an account in your name or make
changes on an existing account, such as increasing the credit limit, the
company must take reasonable steps to confirm you are who you say you are,
such as contacting you by phone at a number you provide, before completing
the request.
* An extended fraud alert can be placed if you are a victim of fraud or
identity theft. It requires a copy of a valid police or law enforcement
agency report, or a Federal Trade Commission Identity Theft Report, and lasts
for 7 years. With an extended fraud alert, a lender or creditor is required
to verify your identity in person or by phone at a number you provide before
opening new accounts or making changes to existing accounts.
If you are on active military duty and want to help minimize your risk of fraud
or identity theft while you are deployed, an active duty alert is available to
you. The active duty alert is similar to an initial fraud alert: it also lasts a
year, and companies must take reasonable steps to verify your identity before
opening new accounts in your name or modifying existing ones.
A credit report lock and a security freeze both generally prevent access to your
Equifax credit report to open new credit accounts. Unless you temporarily lift
or permanently remove a freeze, or unlock your credit report, it can’t be
accessed to open new accounts (subject to certain exceptions). Because these
functions have the same impact, you cannot add both a freeze and a lock to your
Equifax credit report. See more about exceptions below.
* Security freezes (also known as credit freezes) are federally regulated and
allow you to place, temporarily lift, or permanently remove a freeze. At
Equifax, you can manage your freeze online with your username and password
after creating a myEquifax account. You can also manage your freeze by phone:
Call us at (888) 298-0045. You’ll be required to give certain information to
verify your identity. You’ll also have the option to receive a one-time PIN
by text message or answer questions based on information in your Equifax
credit report for identity verification. Placing, lifting and removing a
security freeze is free.
* Credit report locks are mobile app-enabled and allow you to lock and unlock
your Equifax credit report using identity verification techniques such as
usernames and passwords.
Placing a security freeze on your Equifax credit report will prevent access to
it by certain third parties. Freezing your Equifax credit report will not
prevent access to your credit report at any other credit reporting agency.
Exceptions: Locking or freezing your Equifax credit report will prevent access
to it by certain third parties. Locking or freezing your Equifax credit report
will not prevent access to your credit report at any other credit bureau.
Entities that may still have access to your Equifax credit report include:
* Companies like Equifax Consumer Services LLC, which provide you with access
to your credit score or report, or monitor your credit report as part of a
subscription or similar service;
* Companies that provide you with a copy of your credit score or report, upon
your request;
* Federal, state, and local government agencies and courts in certain
circumstances;
* Companies using the information in connection with the underwriting of
insurance, or for employment, tenant or background screening purposes;
* Companies that have a current account or relationship with you, and
collection agencies acting on behalf of those whom you owe;
* Companies that authenticate a consumer’s identity for purposes other than
granting credit, or for investigating or preventing actual or potential
fraud; and
* Companies that wish to make pre-approved offers of credit or insurance to
you. To opt out of such pre-approved offers, visit www.optoutprescreen.com.
Equifax maintains consumers’ credit reports and provides information to certain
customers, including credit card companies and lenders, so that they may offer
pre-approved offers to consumers as permitted by law. Consumers that prefer not
to receive such offers should visit www.optoutprescreen.com, or call toll free
at 1-888-5-OPT OUT (or 1-888-567-8688). Consumers may also send an opt-out
request in writing to Equifax Information Services LLC, P.O. Box 740123,
Atlanta, GA 30374-0123. Consumers should include their complete name, full
address, Social Security number, and signature. Equifax will remove the
consumer’s name from its pre-approved offer database and share the request with
the other two nationwide consumer reporting agencies.
How fraud alerts may help better protect your identity
7 THINGS TO KNOW ABOUT FRAUD ALERTS
When you’ve been a victim of identity theft, it’s tough to know what to do
first. Do you know what fraud alerts do, what types are available, or how fraud
alerts work?
READ MORE
Tools to help better protect your identity
FRAUD ALERTS, SECURITY FREEZES AND CREDIT REPORT LOCKS
Each can help you better protect your personal information, but they aren’t the
same. Here’s a closer look at how they function.
READ MORE
Help reduce your identity theft risk
IDENTITY THEFT: WHAT IT IS, WHAT TO DO
Being a victim of identity theft can be a frightening experience. Learn more
about the warning signs of identity theft and what to do if you believe your
identity has been stolen.
READ MORE
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