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How do I get a fraud alert removed from my credit report? Can I remove an identity theft alert on my record after only a few months?
Yes, you can request to remove a fraud alert, also referred to as a security alert, from your credit report at any time if you decide you no longer need it. While there is more than type of fraud alert that can be added to a credit report, the steps for removing them are the same.
Initial Security Alert vs. Extended Fraud Victim Statement
An initial security alert remains on your credit report for twelve months and notifies lenders that someone may be trying to apply for credit in your name and to verify your identity before granting credit.
An extended victim statement, on the other hand, can be added only with a valid identity theft report, and remains on the credit report for seven years.
Experian also offers an active duty alert for military consumers. Like the initial alert, an active duty alert remains on the credit report for one year.
How to Remove a Fraud Alert or Victim Statement
Experian automatically removes fraud alerts once they expire. If you have added a fraud alert to your credit report and would like it to be removed ahead of time, you can mail your request to Experian along with copies of documentation verifying your identity.
You can find a form that includes the information you need to submit and the address to which you should send it in Experian's Fraud Center.
If you prefer, you can also upload the documentation online along with your request to have the alert removed. We document your identity to ensure an identity thief is not trying to remove the alert to so that they can fraudulently apply for new credit.
You can learn more about identity theft and protecting yourself from credit fraud on our blog.
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Jennifer White, Consumer Education Specialist