![]() 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. ![]() Security freezes must be placed separately at each of the three Nationwide Credit Reporting Agencies (NCRAs).Security freezes and credit report locks are tools that can help restrict access to your credit report so that new credit accounts cannot be opened.Fraud alerts encourage lenders and creditors to take extra steps to confirm your identity before issuing you credit. ![]() Requests by mail: Three business days after receiving the request for removal. ![]()
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