Gail Hillebrand
Gail Hillebrand
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There are more and more of these breaches, because information is money. The more computerized we are the more true that is. It?s not that hard to turn a piece of information into cash, by opening a fake cell phone account or a fake credit card account.
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Fraud alerts don't stop creditors from getting the credit record or credit score. The only type of fraud alert available to consumers before they become victims of identity theft only lasts 90 days, and it doesn't even require the creditor to contact the consumer.
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A security freeze is the strongest form of identity theft prevention for consumers. Only the security freeze gives the consumer the tool to put a stop to the opening of a new fraudulent account.
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The legal obligation is fulfilled when they e-mail it to you. But they do not have to have proof that you received it, and they don't have to have proof that you opened it or it got to you in some form.