Friday, September 23, 2005
"Active Duty Alerts" can fight back against identity theft
Cut and pasted from the Federal Trade Commission's website:
If you are a member of the military and away from your usual duty station, you may place an "active duty alert" on your credit report to help minimize the risk of identity theft while you are deployed.
When a business sees the alert on your credit report, it must verify your identity before issuing you credit. The business may try to contact you directly, but if you're on deployment, that may be impossible. As a result, the law allows you to use a personal representative to place or remove an alert. Active duty alerts on your report are effective for one year, unless you request that the alert be removed sooner. If your deployment lasts longer, you may place another alert on your report.
To place an "active duty" alert, or to have it removed, call the toll-free fraud number of one of the three nationwide consumer reporting companies: Equifax, Experian, or Trans Union. The company will require you to provide appropriate proof of your identity, which may include your Social Security number, your name, address, and other personal information.
* Equifax: 1-800-525-6285; www.equifax.com
* Experian: 1-888-EXPERIAN (397-3742); www.experian.com
* TransUnion: 1-800-680-7289; www.transunion.com
Contact only one of the three companies to place an alert - the company you call is required to contact the other two, which will place an alert on their versions of your report, as well. If your contact information changes before your alert expires, remember to update it.
When you place an active duty alert, your name will be removed from the nationwide consumer reporting companies' marketing lists for prescreened offers of credit and insurance for two years - unless you ask that your name be placed on the lists before then. Prescreened offers - sometimes called "preapproved" offers - are based on information in your credit report that indicates you meet certain criteria set by the offeror.
Jason
If you are a member of the military and away from your usual duty station, you may place an "active duty alert" on your credit report to help minimize the risk of identity theft while you are deployed.
When a business sees the alert on your credit report, it must verify your identity before issuing you credit. The business may try to contact you directly, but if you're on deployment, that may be impossible. As a result, the law allows you to use a personal representative to place or remove an alert. Active duty alerts on your report are effective for one year, unless you request that the alert be removed sooner. If your deployment lasts longer, you may place another alert on your report.
To place an "active duty" alert, or to have it removed, call the toll-free fraud number of one of the three nationwide consumer reporting companies: Equifax, Experian, or Trans Union. The company will require you to provide appropriate proof of your identity, which may include your Social Security number, your name, address, and other personal information.
* Equifax: 1-800-525-6285; www.equifax.com
* Experian: 1-888-EXPERIAN (397-3742); www.experian.com
* TransUnion: 1-800-680-7289; www.transunion.com
Contact only one of the three companies to place an alert - the company you call is required to contact the other two, which will place an alert on their versions of your report, as well. If your contact information changes before your alert expires, remember to update it.
When you place an active duty alert, your name will be removed from the nationwide consumer reporting companies' marketing lists for prescreened offers of credit and insurance for two years - unless you ask that your name be placed on the lists before then. Prescreened offers - sometimes called "preapproved" offers - are based on information in your credit report that indicates you meet certain criteria set by the offeror.
Jason
Comments:
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