Posts Tagged ‘ fraud alert ’

Changing the telephone number in a fraud alert

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 remove a fraud alert? - KYC

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Checking to see if your children have credit reports

Dear Experian, How do I check to see if my children have open credit reports? The form requires a driver's license number, which they do not have. - WMV

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Security freezes are not shared among the national credit reporting companies

Dear Experian, Does placing a security freeze at one credit agency extend to all three credit agencies like a fraud alert? - SCB

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The impact of fraud alerts when checks and debit cards or stolen

Dear Experian, My debit card and checks are being taken without my knowledge and being used. What can I do to protect myself? To stop everything the bank charges you money, of course. The retailer obviously doesn't check identification. What are my options? My bank account was drained. Who do I turn to? I thought the fraud alert helped. - SGT

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Fraud alert may slow loan approval but shouldn’t prevent it

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 made one successful purchase with it. My concern is that they now have my driver’s license, which did not have my Social Security number on it. I understand that I can flag my SSN with the credit bureaus to report any fraudulent activity. Although I have a credit rating in the 800's, will this flag prevent me from obtaining a car loan that I will be seeking in the near future? Is this flag something you would recommend even though my Social Security number wasn't on my license? - AAR

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Fraud security alerts can slow mortgage approval

Dear Experian, I recently placed a 90-day fraud security alert on my credit history though Experian. Will that affect my ability to be approved for a mortgage? - ITR

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The effect of fraud security alerts on credit scores

Dear Experian, I was recently notified by a college that I attended that the admissions office computer files had been hacked into and that I should notify all three major credit bureaus to flag my credit history in case of identity theft. Does this "flagging " of my credit affect my FICO score? - LBS

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The difference between a fraud alert and a security freeze

Dear Experian, What is and where can I find my Security Freeze Personal Identification Number? I have an extended fraud alert on my credit report and would like it removed. I have drafted and put together all the information to send to have it removed; however, I am lacking this Security Freeze Personal Identification number. - IDR

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Adding a fraud alert does not hurt credit scores

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

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Adding a fraud alert after check fraud

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 this true? The bad checks are rolling in now, and I am concerned that they might have opened up credit in our names as well. - GID

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Tax identification numbers do not replace a Social Security number

Dear Experian, I do not have a Social Security number. Instead, I have an EIN number. Does the EIN number replace a Social Security number when placing a fraud alert? - NKO

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Fraud alerts do not interfere with making credit card purchases

Dear Experian, Am I able to use my credit cards with a fraud alert? - AJL

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How to remove a fraud victim statement from your credit report

Dear Experian, Can I cancel a fraud victim statement so I'm not asked a billion questions anymore when I apply for a loan? - RST

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Removing a fraud alert from your credit report

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

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