Fraud on file on my credit report--what does it mean?

[Anonymous]

Hi,

I just dispute some of the charges on my credit report and when I received the update credit report

it shows on additional information-- F Fraud on file--what does that mean?

Message Edited by mai on 04-30-2008 06:40 AM

[Anonymous]

A Fraud Alert FORCES anyone pulling your credit to verify your identity prior to extending credit to you-

This is one of the ONLY things that is shared by the CRA's

It is 90's for the intial FA.

It can be used to combat ID theft by calling any of the CRA's

If you disputed INQ's - the CRA often placed a FA

A FA is requred to dispute INQ's with at least 1 CRA.

[Anonymous]

Thank you for the quick response. I know this sound stupid to ask but I am very new at this

what does CRA stand for and FA?

Thank YOu

Message Edited by mai on 04-30-2008 08:41 AM

[Anonymous]

http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&thread.id=584&jump=true

CRA= Credit reporting Agency (Equifax, Trans Union, Experian)

FA= Fraud Alert

[Anonymous]

what do you mean by in the 90's for FA?

[Anonymous]

90 days is the standard Fraud Alert time period-

Sorry- I typed too fast or my Blue tooth keyboad missed those keys-

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mai wrote:

what do you mean by in the 90's for FA?

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