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The lender is required to verify the requester's identity before approving new credit Once you place an alert with one of the bureaus, that bureau will send your request to the other two.įor when you believe you are or may be the victim of ID theftįor when you submit an identity theft report
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You may contact any of the three nationwide credit reporting agencies (NCRA) - Equifax ®, Experian ® and TransUnion ® - to request a fraud alert. Think of it as a “red flag” that makes companies take steps to verify your identity before extending credit in your name. What is a Fraud Alert?Ī fraud alert is a notice that is placed on your credit reports that alerts credit card companies and others who may extend you credit that you may have been a victim of fraud, including identity theft. When it comes to your credit, you may hear terms like “fraud alert,” “security freeze,” and “credit report lock.” While each one is designed to help you better protect your personal information, they do so in different ways.
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Fraud alerts encourage lenders and creditors to take extra steps to confirm your identity before issuing you credit.