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Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
Fraud alerts require that a prospective creditor must personally contact the consumer prior to establishing any new or extended credit.
It does not bar new credit, it requires that creditors contact the consumer to ensure that he or she actually initiated the request.
See FCRA 605A for details.