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You can place a fraud alert on all three of your credit reports simply by contacting any one of the three credit report bureaus listed below. Each bureau is responsible for notifying the others.
Initial, Active Duty and Extended Fraud Alert
An initial fraud alert lasts 90 days and is a good option when your personal information has been stolen, but no fraudulent activity has occurred.
An active duty fraud alert is for someone in the military who is being deployed overseas. This type of fraud alert lasts one year.
An extended fraud alert lasts seven years and is available to those who have been victims of identity theft. All three bureaus require the extended alert be requested in writing, by mail. You must include proof of your identity and an identity theft report from a law enforcement agency.
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Credit Advice: Keep in mind that; due to government regulations, there are fewer credit card offers, particularly for bad credit people. If you have credit problems and already have a credit card, you may want to hang-on to it even if the issuer raises rates or lowers limits.
