Placing a Fraud Alert on your credit record indicates to anyone requesting your credit file that you suspect you may be a victim of fraud. When an attempt is made to open a new credit account or make a change to an existing account, the lender will take additional steps to verify that you actually authorized the request. If the lender cannot verify the request, it could be denied.
Activating Fraud Alert
Each of the three credit services offers a free 90-day fraud alert service. Once you register with one agency, the other two will automatically be alerted.
Here are links to information for activating the free initial fraud alert protection for each agency: