(1)
Establishes federal right to fraud alert, extended fraud
alert and military fraud alert,
(2)
requires that presence of a fraud alert on a consumer's
credit report requires additional verification before issuing
credit;
(3)
Gives consumers the right to obtain records from businesses
where thief used their names,
(4)
Gives consumers the right to block fraudulent trade line
information or accounts from appearing on their credit reports.
(5)
Gives consumers the right to make one call to obtain fraud
alerts on all three reports.
(6)
Imposes new account opening verification standards and rules
against "repollution" of reports with previously
deleted fraudulent items. Some rights may require consumer
to provide business or credit bureau with a notarized ID
theft affidavit or filed police report.
