But it only lasts 90 days and works only if businesses make the effort to verify your identity.
I wanted more protection, so I put a credit freeze on my credit reports.
Last November, I got a text message from my credit card company notifying me about a 0.92 charge on my card.
I needed a police report to prove I was a victim to get a freeze free of charge.Beyond 60 days, you might not get any of the money back that was stolen through fraudulent purchases. I Filed a Report With the Police I reported my credit card fraud to the local police not because I expected them to catch the thief but to have a report of the incident.An incident report from a law enforcement agency can be helpful in contesting fraudulent charges.Your maximum liability is if you report fraudulent transactions within two business days after you learn about them.After that, your liability jumps to 0 if you don’t report the fraud within 60 calendar days after your statement is sent to you.You can check your credit report for free once a year from all three credit bureaus — Experian, Equifax and Trans Union — at Annual Credit If you find errors, alert the credit bureau to dispute them.It’s free, and the bureau must report the alert to the two other bureaus.The alert requires lenders to verify your identity before issuing credit in your name, so it can help protect you from unauthorized accounts being opened in your name.You have to place a freeze on your credit report with each of the three credit bureaus.There’s typically a to charge, depending on the state where you live, and you have to pay again to have the freeze lifted.