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Types of Fraud Alerts
An “Extended Alert” is recommended if your identity has been stolen. With an extended alert, your credit file will remain guarded for seven years. In addition, your name will be removed from
lists marketing prescreened credit offers
for five years.
Members of the military on active duty are eligible for a “Military Fraud Alert.” This alert allows members of the military to prevent anyone from opening accounts in their name while they are overseas.
Helpfull Hints
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Experian, Equifax, and Trans Union (the three credit-reporting agencies) share data, so after calling one company, the other two will be notified. |
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If you need to apply for a loan during the period that your credit file is on alert, notify your lender. |
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To remove a fraud alert, you will need to send requests in writing to one of the three credit-reporting agencies. |