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Identity Protection

What Is the Difference Between a Credit Freeze and a Fraud Alert?

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Considering a fraud alert or credit freeze? Not sure what the distinction is between the two? A fraud alert and a credit freeze are both great ways to help you protect your personal data. These powerful tools can help you steer clear of identity theft or prevent you from further identity theft if you’ve already been a victim.

Fraud Alerts Are Now a Little Different

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Good news, fraud alerts now last longer. Previously they expired after 90 days. Now you are protected for 1 year. Just as before, a fraud alert notifies lenders to call you to verify your identity before extending new credit. This important change helps you safeguard your information for longer.

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Disclaimer: The information posted to this blog was accurate at the time it was initially published. We do not guarantee the accuracy or completeness of the information provided. The information contained in the TransUnion blog is provided for educational purposes only and does not constitute legal or financial advice. You should consult your own attorney or financial adviser regarding your particular situation. For complete details of any product mentioned, visit transunion.com. This site is governed by the TransUnion Interactive privacy policy located here.

What You Need to Know:

There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender.

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