#credit bureau fraud alert
Fraud Alerts – How to Place a Fraud Alert on Your Credit Report
If you think or suspect you are a victim of identity theft, or you know you are a victim of identity theft, you should place a fraud alert on your credit reports at all 3 bureaus, namely Equifax, TransUnion and Experian. Generally a fraud alert includes a note on your credit report to the lender to call you before new accounts can be opened.
Fraud alerts primarily come in two varieties:
- I. Initial Fraud Alerts – up to 90 days
- II. Extended Fraud Alerts – up to 7 years
Note there is also a third variety, not really fraud alert, but more of a warning, which are active duty military alerts. These may be placed for up to 1 year.
I. To place an initial fraud alert . you contact one of the 3 credit bureaus to place the alert. By contacting one of the three bureaus, that bureau will contact the other two without your having to contact them yourself. You can contact the bureau online, by phone, or by mail.