What type of alert does Tamara get after losing her wallet and requesting an alert?

When Tamara loses her wallet, requesting an alert is a proactive step to protect herself from identity theft. An initial fraud alert is specifically designed for individuals who suspect they may be a victim of identity theft or fraud. This type of alert informs potential creditors to take extra steps to verify an individual's identity before opening new credit accounts, effectively protecting her from unauthorized use of her personal information.

The initial fraud alert remains active for a short period, typically 90 days, and can easily be placed by contacting one of the major credit bureaus. Once an initial fraud alert is set, that bureau is required to inform the other two bureaus. This response allows Tamara to alert creditors about her situation promptly and seek assistance if her personal information has been compromised.

Other types of alerts, like extended alerts or active duty alerts, cater to different circumstances. An extended alert is usually applicable for individuals who can provide proof of identity theft, extending the alert period to seven years, while an active duty alert is reserved specifically for military personnel who are deployed. Therefore, the initial fraud alert is the most suitable response for Tamara’s situation after losing her wallet.