Should You Place A “Fraud Alert” On Your Credit Report?


The fraud alert was put in place to protect you from someone trying to get credit in your name, in other words steal your identity. Unfortunately this is becoming a serious problem in the US.

Care should be taken to REGULARLY review your credit report and look for those things which are out of place, i.e.; inquiries from vendors you are unfamiliar with.  This could be an indicator someone may be trying to get credit in your name.

You can contact the credit bureaus to place a “fraud alert” on your account.  This basically informs the lender/creditor to directly contact you to insure you indeed are seeking new credit.  They should do this but it does not always happen.  However, it is worth doing if you are concerned about your credit profile.

Here is the special contact information for each bureau.

Equifax Consumer Fraud Division
Phone: 800-525-6285 or: 404-885-8000
Fax: 770-375-2821
P.O. Box 740241
Atlanta, GA 30374-0241

Experian National Consumer Assistance
Phone: 888-397-3742
P.O. Box 2104
Allen, TX 75013

Trans Union Fraud Victim Assistance Department
Phone: 800-680-7289
Fax: 714-447-6034
P.O. Box 6790
Fullerton, CA 92634-6790

If you have been a victim of indentity theft, you may wish to contact us to learn how the FCRA can assist you in removing derogatory credit from your profile.

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About Safe Haven Credit

I don't much like the pompous attitude of the credit bureaus and the damage they have caused consumers and businesses, so I like to rant about it here...
This entry was posted in credit bureaus, credit law, Credit Repair, FCRA, Fix Bad Credit, Remove bad credit and tagged , , , , , , , . Bookmark the permalink.

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