I cannot sign up for satellite television because they say we have a fraud alert attached to our credit history. We do not need a fraud alert. How do we get rid of it?
There are several types of “fraud alerts” the business representative could be describing. Often fraud alerts simply prompt companies to require you to provide additional documentation to proceed with your application. Apparently this company is being very aggressive in preventing fraud.
Your first step should be to request a copy of your credit report to identify what type of “alert” is on your credit file. Because your application was declined, you should have received a notice from the satellite television company explaining how to request a free copy from the credit reporting company it used.
If it was an Experian report, they should have directed you to www.experian.com/reportaccess. If it was not Experian, but you would like to review your Experian report for no fee, go to www.annualcreditreport.com to request a copy.
Consumers can request an initial security alert, extended fraud victim statement or security freeze. Initial security alerts and extended fraud victim statements warn lenders that you are or may be a victim and to take steps to verify your identity before opening an account. A security freeze, which is free in certain circumstances, blocks access to your credit file unless you first lift the freeze by providing a PIN number.
Those alerts are added only when you request them. You can also ask that they be removed, but will need to do so in writing. Visit www.experian.com/fraud and www.experian.com/freeze to learn more and receive full instructions.
Experian also will notify businesses when certain information in a report indicates an increased risk of fraud, such as a known fraud address. The alerts are intended to protect both the business and the consumer by enabling the business to take additional steps to verify your identity before proceeding with the application process.
Thanks for asking.
The “Ask Experian” team