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 alert? I assume having the alert for one year is OK since I can prove who I am and do not expect to apply for any new credit.
It is OK to leave the temporary alert on file. The initial security alert remains on the credit report for twelve months. It lets potential creditors know that you may have been a victim of identity theft and asks that they take extra precautions to verify your identity before granting credit.
The security alert does not have any negative impact on your credit scores. When the alert expires it is automatically removed from your report.
Thanks for asking.
The "Ask Experian" team