Also known as an initial security alert, a 90-day fraud alert notifies potential credit grantors to verify your identification before extending credit in your name.
You will now be redirected to Experian's online fraud center.
In most cases, fraudulent activity can be detected by reviewing the accounts, inquiries and addresses that appear on a credit report. Review your report carefully for the following items:
Once you have confirmed fraudulent activity on your credit report or from another source, file an identity theft report with a law enforcement agency, typically your local police department.
To begin the removal of fraudulent information, visit Experian's online dispute process.
Call the special telephone number listed on your credit report. You can speak with an Experian consumer assistance associate who is trained in fraud victim assistance. Experian will work with you to investigate the fraudulent information on your credit report.
Also known as an extended fraud victim alert, a 7-year fraud victim alert requires that you must be a victim and provide a police report. To request this alert, follow these steps:
Even though the fraudulent accounts created under your name were not from you, it is in your best interest to contact those businesses and let them know you were a victim of fraud. Contacting them directly may help you resolve the fraudulent information in your credit report more efficiently.
Notifying your existing account holders of your victimization is a good idea, as it may help to reduce further fraudulent activities.
If you suspect you are a victim of identity theft, here is some important contact information that can help you respond:
It is important that you check your credit reports regularly because early detection is key to minimizing the damage that mistakes and fraudulent activity can have on your credit. Experian's credit monitoring service checks your three credit reports daily and notifies you when key changes are detected. You also get unlimited online access to your credit report and score.
A temporary alert for consumers who have reason to believe they may be victims of fraud. Its purpose is to alert creditors that a consumer recently has been victimized or has a time-sensitive concern about identity theft. The alert will be deleted automatically when it expires after 90-days.
Victims of fraud may add a long-term (seven year) fraud prevention statement to their consumer file when they submit a valid Identity Theft Report. The Extended Fraud Victim Alert warns creditors that the consumer has been victimized. Two telephone numbers can be provided in the victim statement so creditors can call the consumer at a designated daytime or evening number when the creditor is processing a potentially fraudulent credit application.
Consumers can "freeze" their credit files to prevent businesses, with some exceptions, from accessing a consumer's credit report unless the consumer first removes the freeze using a personal identification number (PIN) provided by Experian. Fraud victims can freeze their credit files free of charge. There may be a nominal fee for non-victims.
You must add freezes and request that they be lifted separately at each of the national credit reporting companies. Different PIN numbers will be issued by each credit reporting company. Prices and requirements vary by state based on each state's laws.
Members of the U.S. military who are on active can add an Active Duty Alert to their credit history to help protect them from potential fraud and identity theft. An Active Duty Alert remains for one year and notifies creditors that the consumer is a member of the U.S. military currently on active duty, enabling them to take appropriate precautions to prevent fraud. When an Active Duty Alert is added, the credit report is removed from prescreen solicitations for two years. There is no fee to add an Active Duty Alert.
Calculated on the PLUS Score model, your Experian Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders. Learn More.