Iâ??ve been lurk ing on the board for a couple of months now and Iâ??d like to thank all of you for the great input. You really helped me become much more knowledgeable about credit. Right now I need some help, Iâ??d like to know how much does it take the fraud alert to kick in? I put it on yesterday and I really donâ??t know if that is going to prevent someone from opening any kind of account in my name or it needs some time to kick in. What happened to me is a classic case and Iâ??m not even sure if itâ??s a case at all but Iâ??m already loosing sleep over it. A couple of days ago Iâ??ve received a call from someone stating that she was from my credit card company (Direct Merchants Bank) and told me that they wanted to give me more credit and lower APR. She really knew my personal staff and acted like someone whoâ??s really working for them, asked questions like: was I working for more than 30 hours a week, do I want credit protection to be activated etc., than she asked my date of birth and my motherâ??s maiden name. The reason I didnâ??t get suspicious is because I know that some company really do it this way (Providian). Anyhow, later on I called DMB and told them I donâ??t want credit increase since I donâ??t want to have too much available credit. They told me that their file didnâ??t indicate that anyone called me from that company and anyhow Iâ??m going to receive credit line increase from time to time without asking me anything. So I got really scared because that person has all of my personal info and Iâ??m not sure who she was. I wanted to trace the incoming call back but Verizon told me that they cannot give me the number. I donâ??t know how easy to assume someone elseâ??s identity but I got really scared and called the credit bureaus and put the fraud alert on my file. Please give me some advice on this. I tried to search the board but I didnâ??t find the answer.