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Removing a fraud alert after verifying you are not a victim

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 alert? I assume having the alert for 90 days is OK since I can prove who I am and do not expect to apply for any new credit.

– AJY

Dear AJY,

It is OK to leave the temporary alert on file. The initial 90 day security alert 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 affect on your credit scores. When the alert expires it is automatically removed from your report.

Thanks for asking.
The “Ask Experian” team

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Get Identity Theft Protection

Better detection and protection for identity theft and credit fraud. More identity and account alerts, with credit lock to prevent unauthorized inquiries.

Protect Yourself Now

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