General Credit Topics

[fuzzybean]

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.

[apandabear]

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

[fuzzybean]

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apandabear wrote:

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

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No, we didn't. 

[RobertEG]

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.

[fuzzybean]

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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.

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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.