Loud Siren will place a fraud alert for you, and, they do offer a very good insurance policy, too. However, these days many lenders offer you coverage for identity theft and fraud when you do business with them.
To place a fraud alert, you must contact each of the credit bureaus and inform them that you want to flag your credit file for fraud. You must contact each bureau individually, don’t expect that they will share information (even though they should).
An alert should be activated within 24 hours by each credit bureau and you should receive a letter of confirmation in the mail shortly after.
A fraud alert mean that your name will be removed from all pre-approved credit and insurance offers for a period of two years, but the fraud alert will only remain in place 90 days. You can reactivate the alert if you think it’s needed.
Loud Siren’s Fraud Alert Management is a service that sets a fraud alert for you. They also say that they try to have your name removed from junk mail lists, something which will happen automatically with pre-approved insurance and credit card offers (pre-approved credit offers that come in junk mail are a major identity theft risk).
Loud Siren also offer coverage for you in the way of a $25,000 Identity Theft Insurance Policy through AIG Insurance, providing expert assistance and financial relief, restoration costs, legal defense expenses, and lost wages.
Additionally, Loud Siren provides a Comprehensive $1 Million Guarantee through Debix.
The fraud alert will expire after 90 days at which time Loud Siren will set them again unless their clients notify otherwise. They also place your phone numbers in the National Do Not Call List as an optional extra.
Loud Siren is a good option in identity theft protection that will do the basics if you’re too busy to do them yourself. It costs money and it’s the consumer’s decision if that price is worthwhile and within your budget.
Fraud Alert Management services are not for everyone, but most consumers find that the ease of retaining a service provider, rather than to place and maintain the fraud alerts themselves, a benefit.
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