Credit reporting companies will keep that alert on your file for one year. After one year the initial fraud alert will expire and be removed, you have the option to place another initial fraud alert at that time. An initial fraud alert requires that the creditor take reasonable steps to make sure the person making a new credit request in your name is actually you. If you provide a telephone number, the lender must call you or take reasonable steps to verify whether you are the person making the credit request. When you place an initial fraud alert in your file, you're entitled to order one free copy of your credit report from each of the nationwide credit reporting companies.
These free reports do not count as your free annual report from each credit reporting company. You can place an extended alert on your credit report after your identity has been stolen and you file an identity theft report.
When you place an extended fraud alert in your file, you're entitled to order two free copies of your credit report from each nationwide credit reporting company over a 12 month period. An extended alert is good for seven years. An extended alert requires that the creditor contact you in person or through the telephone number or other contact method you designate to verify whether you are the person making the credit request. Under a new federal law effective September 21, , you can freeze and unfreeze your credit record for free at the three nationwide credit reporting companies — Experian, TransUnion, and Equifax — no matter what state you live in.
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The federal law requiring free security freezes does not apply to someone who requests your credit report for employment, tenant-screening, or insurance purposes. Unlike fraud alerts, if you place a security freeze with one credit reporting company they will not notify the other credit reporting companies. You must contact each credit reporting company individually if you would like to place a security freeze with all three nationwide credit reporting companies.
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Because most businesses will not open credit accounts without checking your credit report, a freeze can stop identity thieves from opening new accounts in your name. Be mindful that a freeze doesn't prevent identity thieves from taking over existing accounts.
Active duty alerts last for 12 months. When you place an active duty alert on your credit report, creditors must take reasonable steps to make sure the person making the request is actually you before opening an account, issuing an additional credit card on an existing account, or increasing the credit limit on your existing account. Your name also will be removed for two years from the nationwide credit reporting companies' pre-screen marketing lists for credit offers and insurance. Please do not share any personally identifiable information PII , including, but not limited to: your name, address, phone number, email address, Social Security number, account information, or any other information of a sensitive nature.
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Fraud and scams. If you think you've been a victim of fraud or identity theft, contact one of the nationwide credit reporting companies and place a fraud alert in your credit report.
This awareness and vigilence is particularly important in our Residence Halls. Technically speaking, if you didn't meet the robber, you probably weren't "robbed. You may also have simply lost the item and all recovered items found unattended on campus should be delivered to UCPD where they will be logged in the Campus Lost and Found.
If you have been a victim of robbery, get to a safe place and contact UCPD immediately to report the crime.
If you don't have a cell phone, you can use a Blue Light phone if you're on campus property. Your timely report may save someone else from being a victim. Skip to main content.
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