In today’s information age, protecting your credit includes knowing your options if you are, or suspect you may be, a victim of fraud or identity theft.
Fraud Alert One good option is to place a fraud alert on your credit report to alert creditors and lenders. According to the Consumer Finance Protection Bureau, when you place a fraud alert on your credit report at one of the nationwide credit reporting companies, it must notify the others.
There are two main types of fraud alerts:
Initial fraud alerts: An initial fraud alert requires creditors to verify your identity before opening a new account, issuing an additional card, or increasing the credit limit on an existing account based on a consumer’s request. Credit reporting companies will keep that alert on your file for 90 days.
Extended alerts: You can place an extended alert on your credit report after your identity has been stolen. An extended fraud alert entitles you to two free copies of your credit report from each nationwide credit reporting company over a 12-month period. The extended alert lasts for seven years.
Credit Freeze If you’re concerned about identity theft or someone gaining access to your credit report without your permission, consider placing a credit freeze on your report. A credit freeze, also known as a security freeze, lets you restrict access to your credit report, which makes it more difficult for identity thieves to open new accounts in your name. A freeze can stop identity thieves from opening new accounts in your name, but doesn’t prevent them from taking over existing accounts. A freeze remains in place until you ask the credit reporting company to temporarily lift it or remove it altogether. The costs to freeze and lift (or “thaw”) a freeze vary by state.
For our Purchasing Clients: we make sure you have access to EVERY home (not just those we list, or the three or four that we think you might like); and we will never pressure you.
For our Selling Clients: we market the heck out of your home; we give you updates on what we've done to sell your property every week along with feedback and activity on the home; we can also lease your property should it fail to sell--seamlessly. Finally, if you're ever unhappy with us, or your circumstances change, you can cancel our agreement.
Lastly, if you're interested in our Property Management services, visit www.KilleenPropertyManagement.com.
As you're sprucing up your home this season, keep an eye out for these
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