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Financial Education Center

Financial Education Center > Cash & Debt Management
Identity Theft
  • What is identity theft?
  • Types of identity theft
  • How thieves get your personal information
  • Keep important numbers safe
  • Keeping prying eyes out
  • Keep online transactions safe
  • Identity theft warning signs
  • What is a fraud alert?
  • What is security freeze?
  • Resources for more information

What is a fraud alert?

Once you have reported identity theft, you can ask the three major credit reporting agencies to place an extended fraud alert on your credit file. The alert will last for up to seven years, and it lets potential creditors or lenders know that you have been a victim of identity theft so they can help protect you.

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Once this fraud alert is in place, you are allowed to receive two free credit reports annually from each of the credit reporting agencies. The credit reporting agencies will also remove your name from the list for receiving prescreened credit offers for five years. You may remove the fraud alert at any time.

If you think your information may be exposed and you're vulnerable to fraud, but you haven't suffered any losses yet, apply an initial fraud alert as a pre-emptive measure. A recent amendment of the Fair Credit Reporting Act extended the initial fraud time period from ninety days to one year. You'll receive one free credit report from each of the agencies as part of your alert.

An active-duty alert is a form of initial fraud alert designed for active-duty military members. It has always lasted for one year and was created because of the added difficulty of detecting, documenting, and correcting fraudulent activity when you're on active-duty status. The recent change extends the same time courtesy to all Americans.

When you're a confirmed victim of fraud, you may apply an extended fraud alert that lasts for seven years. To confirm the losses, you'll need to file a police report with your local law enforcement agency or file an identity theft report with the Federal Trade Commission (FTC).

 

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24 NH Route 25
PO Box 177
Meredith, NH 03253
603.279.7986
800.922.6872
Telephone Banking: 800.394.8769
NMLS#466022

© 2020 Truebridge, Inc.

  • Personal
    • Branch Management Team
    • Checking
    • Savings, Money Markets, CDs & IRAs
    • Health Savings Accounts
    • Overdraft Programs
    • Deposit Rates
    • Online, Mobile & Telephone Banking
    • Home Lending
    • Personal Lending
    • GenGold Savings & Identity Theft Program
    • Safe Deposit Boxes
  • Business
    • Business Team
    • Checking & Savings
    • Lending
    • Online, Mobile & Telephone Banking
    • Expanded Business Solutions
    • GenGold® Business Partner Program
  • Resources
    • Financial Education
    • Calculators
    • Routing Number
    • Newsletter
  • About
    • Careers
    • Community Involvement
    • Directors
    • History
    • Leadership
    • Privacy & Security
    • Statement of Condition
    • Values
    • Locations
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  • Personal
    • Branch Management Team
    • Checking
    • Savings, Money Markets, CDs & IRAs
    • Overdraft Programs
    • Deposit Rates
    • Online, Mobile & Telephone Banking
    • Home Lending
    • Personal Lending
    • GenGold Savings & Identity Theft Program
    • Safe Deposit Boxes
  • Business
    • Business Team
    • Checking & Savings
    • Lending
    • Online, Mobile & Telephone Banking
    • Services
    • GenGold Business Partner Program
  • Resources
    • Financial Education
    • Calculators
    • Routing Number
    • Newsletter
  • About
    • Careers
    • Community Involvement
    • Directors
    • History
    • Leadership
    • Locations
    • Privacy & Security
    • Statement of Condition
    • Values
  • Contact Us
  • NHTrust Financial Advisors
  • MeredithVillage Savings Bank
  • MerrimackCounty Savings Bank
  • Savings Bank ofWalpole
  • New HampshireMutual Bancorp