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Lena thinks someone has stolen her identity. She isn’t sure if she should place a fraud alert on her credit report. She doesn’t understand anything about fraud alerts. What true statement could you teach Lena to help her make a more informed decision?

A fraud alert prevents anyone from viewing your credit report.

A fraud alert can stop anyone from opening any new accounts in your name.

When filing a fraud alert, you must first pay for a credit report.

To place a fraud alert, you must contact all three credit reporting agencies.