Credit Report Articles

What is A Fraud Alert?

woman looking at paperwork.

A fraud alert is a notification that you can add to your credit report, so that creditors will call you directly if any one attempts to open credit in your name. It is not the same as credit monitoring, in that a fraud alert can prevent you from being approved for new credit or may require that you supply additional identifying information in the credit application process. Besides verifying your identity, your name will be removed from pre-approved credit card offers for up to five years.

Your membership provides you with access to fraud resolution representatives, who can help you place a fraud alert on your credit report with all three national credit bureaus. If you have reason to believe you are a victim of identity theft, call a fraud resolution agent at 1-877-300-2512. We are available for you Monday – Friday 6 a.m. to 6 p.m., Saturday – Sunday 8 a.m. to 5 p.m. Pacific Time.

Types of Fraud Alerts:

1. Initial Fraud Alert: If you lose your wallet, were subject to a phishing scam or suspect you are a victim of identity theft; you may consider placing an initial fraud alert on your credit report. 

An initial fraud alert will remain on your credit report for a minimum of 90 days. When you place a fraud alert on your credit report, you are eligible to receive a free report from each of the three credit bureaus.

2. Extended Fraud Alert: By providing proof that you were a victim of identity theft you may extend the fraud alert to cover a seven-year period.

Learn the warning signs of identity theft. Knowing how criminals access your personal information can help protect yourself.