![]() You receive notification that you are or could be the victim of a data breach.īefore you proceed with a credit freeze, however, you should know that a better solution for many victims of identity theft may be to enact whats called a fraud alertmore on that later.Your bank or credit union notifies you about fraudulent activity on an account.New inquiries or credit accounts appear on your credit report, indicating activity with lenders or other companies you dont recognize.Unexplained bills or collection notices are mailed to your address, in your name or under anothers name.Its worth considering taking action to protect your credit if: In more extreme cases in which youre experiencing ongoing fraud attempts, you may feel a security freeze is necessary. Reviewing your report can help you determine whether or not you are a victim and help you take appropriate action. You also can request additional free credit reports when you add an initial security alert or victim statement. ![]() ![]() When you place a security alert, also known as a fraud alert, you can add a telephone number so lenders can call you when they receive an application and verify that its you who is applying. In many cases, a security alert may be sufficient. If youve been a victim of identity theft, you have more than one option to consider when it comes to protecting your credit. The system alerts you if your information might have been jeopardized. Internet Watch will track your personal data to see if its being bought or sold online. Internet Watch This is slightly scary, but a necessary evil these days. If youre not the one who authorized the inquiry, then you can report it quickly. TransUnion will immediately contact you via email when a credit inquiry has been made in your name. This provides a glimpse into what other institutions will see when they use TransUnion to check your credit. You get access to your TransUnion VantageScore every time you log in. These are essential to keeping your credit profile safe. Here are the other features you get when you sign up for TransUnions Credit Monitoring service on top of their new Credit Lock feature. Its important to know whats happening with your credit, especially with all of the rampant identity theft going on around this country and the world. On top of being able to lock/unlock your credit report, you can also monitor your credit and get an analysis of how youre doing. HOW To LOCK Your TRANSUNION CREDIT REPORT…Īs I stated, Credit Lock is a new feature provided in TransUnionss credit monitoring service.
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