We start where you have the most exposure. Making sure no one can open new credit in your name except you. We do this by placing and continually renewing a fraud alert* on your credit report. A fraud alert puts an extra step in the credit granting process requiring any company issuing new credit to you to contact you before processing the application confirming you are really the person applying for the credit. If the current credit system were set up for you, instead of financial institutions and businesses, they would have built this into the approval process. But today you do have this right and we believe every American should take advantage of it. Whether online, on the phone or in a store, you are covered. And best of all, if someone is masquerading as you, you are covered.