Reply
Highlighted
Frequent Contributor
Posts: 309
Registered: ‎04-04-2012
0

Fraud Alert

We called the CRA today to clear up a dispute and they told us there was a fraud alert on my husband's credit report that we put on there yesterday.  No we didn't.  We know what we need to do to get it removed, but how the heck did it get on there?  One more hoop to jump through and more money to spend to do it.

Regular Contributor
Posts: 200
Registered: ‎03-15-2012
0

Re: Fraud Alert

Did you dispute something as "not mine" or dispute identifying information, like addresses?

2009-10 - C/Os
2011 - Debts paid, no open credit
2012 - Rebuilding started, secured cards opened, SL rehabbed - EQ myFICO 636
2014 - 10k Discover, 3.5k Freedom, AmEx Green, SL, Auto Loan - EQ myFICO 695
Frequent Contributor
Posts: 309
Registered: ‎04-04-2012
0

Re: Fraud Alert


apandabear wrote:

Did you dispute something as "not mine" or dispute identifying information, like addresses?


No, we didn't. 

Epic Contributor
Posts: 20,927
Registered: ‎03-19-2007
0

Re: Fraud Alert

Fraud alerts are only authorized upon request of the consumer or his/her designee. On the flip side, a consumer can always remove any fraud alert by simply notifying the CRA to remove.

 

In many instances, as was stated, if any issues of potential identity theft are raised, the party, be they a creditor or CRA, may infer a consumer request for such an alert.

It's probably not technically accurate for them to do so, but is done out or caution.

 

Just notify them to remove it.

Frequent Contributor
Posts: 309
Registered: ‎04-04-2012
0

Re: Fraud Alert


RobertEG wrote:

Fraud alerts are only authorized upon request of the consumer or his/her designee. On the flip side, a consumer can always remove any fraud alert by simply notifying the CRA to remove.

 

In many instances, as was stated, if any issues of potential identity theft are raised, the party, be they a creditor or CRA, may infer a consumer request for such an alert.

It's probably not technically accurate for them to do so, but is done out or caution.

 

Just notify them to remove it.


Well we sure the heck didn't request it.

 

They actually notified us of it when we called them about something else.  We have to mail in all of this crap to remove it. 

 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.