Credit Advice » Fraud and Identity Theft » Fraud Alert

Fraud Alert

If you believe you’ve been a victim of fraud, you can attach a fraud alert to your credit report. There are two types of fraud alerts: initial security alerts and extended security alerts.

Initial Security Alerts

When you fear fraud may have occurred, but aren’t sure, an initial security alert warns lenders that you may have been a fraud victim, and asks them to take extra precautions before granting a line of credit in your name.

Extended Security Alerts

If fraud actually does occur, you can ask for an extended security alert, which is also known as a victim statement. This is a higher level of fraud alert that generally requires a police report or victim statement. With this type of alert on your credit report, lenders will need you to verify your identity via phone before they approve any new credit application associated with your name and credit file.

Removing a Fraud Alert from Your Credit Report

July 13, 2016

Dear Experian, How do I get a fraud alert removed from my credit report? - DIB

Changing the Phone Number in a Fraud Alert

November 24, 2014

Dear Experian, How do I go about changing my telephone number? Creditors have denied me credit because the phone number on my alert is not updated. How do I...

Adding a Phone Number to a Temporary Fraud Alert

January 1, 2014

Dear Experian, I want to add my cell phone number to my file because I just put in a 90 day fraud alert. I noticed when I pulled my file...

Fraud Alert May Slow Loan Approval

September 10, 2013

Dear Experian, I recently lost my wallet, which contained my ATM card and my driver’s license. Although the card was cancelled within an hour of being lost, the person...

Adding a Fraud Alert Does Not Hurt Your Credit Score

August 16, 2013

Dear Experian, Does adding a security alert raise your credit score or affect it in any way? - WCB

Adding a Fraud Alert After Check Fraud

August 13, 2013

Dear Experian, I was a victim of check fraud. I was told I'm entitled to seven years of free fraud alerts as long as I have a police report. Is...

Removing a fraud alert after verifying you are not a victim

July 17, 2013

Dear Experian, Is it a problem if I do not remove a fraud alert once I have confirmed that no breach was possible? Or do I have to remove the...

You Will Not Receive a Notice to Remove a Fraud Alert

July 3, 2013

Dear Experian, I have not been contacted to lift a fraud alert on my account to approve a recent credit inquiry. Should I receive a request to remove the alert...

How to Add a Telephone Number to a Fraud Alert

July 3, 2013

Dear Experian, How do I add a telephone number to an extended credit alert? - LKK

Cancelling 7-year Fraud Alert to Qualify for Housing Program

June 20, 2013

Dear Experian, How do I cancel a 7-year fraud alert once I create it? I am in the process of looking for new housing and believe I would have to...

Fraud Alert Stopping Satellite TV Application

June 5, 2013

Dear Experian, 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...

Removing an Active Duty Alert

July 18, 2012

Dear Experian, How do you remove an Active Duty Alert? I am not on active duty and have never been in the service, but I have an Active Duty Alert...