Daily Challenges

Daily Challenge: Place a Fraud Alert with One Credit Reporting Company.

(Last Updated On: September 26, 2017)

I’m still trying to complete steps to protect my family after the Equifax breach.  As of the time I wrote this post–I typically write these posts several days in advance–Transunion still hasn’t completed my credit freeze.  This article makes me think there is a reason.

After reading that article, I decided to place a fraud alert in addition to the credit freeze.

The Goal

The goal is to place a credit freeze with one credit reporting company.  (Frankly, at this point I consider us all blessed that we do not have to contact more than one.)

What I Did

I read the FTC’s directive on placing a fraud alert.  I chose to a fraud alert with Experian because I have had fewer problems with Experian than with Transunion and because I just don’t trust Equifax.

Your Turn!

  1. Contact one of the three credit reporting companies.
  2. Place a fraud alert.  Here’s how to do so with Experian:
    1. If you place your alert online, start by updating your computer and then scanning it with your anti-virus and anti-malware program to verify that your computer is up-to-date and has no viruses or malware installed.
    2. When the scanning has completed and reflects that your computer hasno viruses or malware, visit the Experian fraud alert page.
    3. Verify that the security for the Experian site is encrypted.
    4. Click “Add a fraud alert.”
    5. Click  “Initial security alert (90 days).”
    6. Complete the required information.
    7. Read the terms and conditions.
    8. If you agree, click the submit button.
    9. Print your confirmation page.
    10. E-mail yourself the confirmation.
    11. Access your credit report.
    12. Review your credit report for any discrepancies, and prepare to file a dispute if necessary.

Note:  You will get a notification in the (snail) mail from both Experian and Transunion about a week after the fraud alert has been placed.  I haven’t yet received an alert from Equifax.  (Somehow I’m not surprised.)

How Did You Do?

Did you place a fraud alert on your account?  If you placed your fraud alert with Equifax or Transunion, was the process easier or harder than that with Experian detailed above?  Let me hear from you in the comments!

Hi, I am Bridget from Simplify - Declutter - Organize, where I strive to help you make your life simple again!

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