12-12-2006, 02:37 PM
Problem is, the alert may not be effective. My identity was stolen over a year ago and despite assurances by the reporting companies (all 3 were notified and responded in writing) accounts have been opened and puchases made by the theives. The warning is only good for 3 months and I have personally opened at least one new account without the information being "flagged" within the 3 month period. It's possible that a freeze would help, but that requires that a police report of the identity theft has been filed (done, in my case) and a written request made for the freeze with the credit agencies. I believe that a fradulent charge needs to be on record to file a police report. Having the account frozen will make future credit applications problematic, at best (except for the thieves - they seem to manage quite well in my case)
Good luck! I hope your identity is safe!
Good luck! I hope your identity is safe!