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Fraud Alert Vs. Credit Freeze: Protecting Your Identity
Manage episode 446302607 series 3576016
Innehåll tillhandahållet av The Credit Pros. Allt poddinnehåll inklusive avsnitt, grafik och podcastbeskrivningar laddas upp och tillhandahålls direkt av The Credit Pros eller deras podcastplattformspartner. Om du tror att någon använder ditt upphovsrättsskyddade verk utan din tillåtelse kan du följa processen som beskrivs här https://sv.player.fm/legal.
Fraud alerts and credit freezes are tools to combat identity theft, with fraud alerts requiring creditors to verify identity and credit freezes stopping access to credit reports. There are three types of fraud alerts: initial, extended, and active-duty, each with different validity periods. Credit freezes can be lifted temporarily or permanently, with possible fees. Both have advantages and disadvantages, such as cost and convenience versus level of protection. Neither directly affects credit scores, but they can impact credit application processes.
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