https://ficoforums.myfico.com/t5/Credit-Cards/Apporama-with-Fraud-Alert-Not-fun/m-p/3366297#M934613 <P>I'll never do a fraud alert again. Freezing is more effective and way less of a pain to me. Even asking for a cli with a fraud alert can be an issue.</P> Fri, 22 Aug 2014 02:43:00 GMT Exonumist 2014-08-22T02:43:00Z https://ficoforums.myfico.com/t5/Credit-Cards/Apporama-with-Fraud-Alert-Not-fun/m-p/3365765#M934573 <P>So my DW got her wallet stolen 2 months ago and her SS card was inside. She placed an Initial Fraud Alert on all 3 CRAs. Today, it was her turn to AoR for our wedding next month! Well the results were a total PITA, even with her scores in the 800s!</P><P>&nbsp;</P><P>1st - Barclay Arrival + -got the 30 day notice. Called recon line, they really close at 5pm EST?!?! UGH! Will have to call back tomorrow</P><P>2nd&nbsp;- Chase United Explorer - 7-10 day notice. Called recon line, they asked about some other Chase card balance/due date. Approved for 5k (must be reaching her max with them!)</P><P>3rd - Citi Personal AAdvantage - 7-10 day notice. Called recon line, put on hold twice for 5 minutes. They come back and say they are mailing a letter and she should receive it in 7-10 days, the letter will advise her how to continue the verification process. She asked if there was a way to do it over the phone, and they said, not until the letter comes.</P><P>&nbsp;</P><P>I had 1 or 2 other cards i wanted to haver her app for, but I'm pretty frustrated by this! Another thing that is possibly causing an issue, is I added her on my Amex as an AU about 4 months ago. We officially live in different residences, but my address is showing as her most recent address, even though its not techniclly her address. If I had known it would be an issue, I never would have made her an AU.</P><P>&nbsp;</P><P>Anyways, thanks for letting me share my frustration! I understand the CC providers are doing their due diligence, and I can respect that, but it sure does take the fun out of AoRs! ....and hopefully she learned not to keep her SS card in her wallet!</P><P>&nbsp;</P> Thu, 21 Aug 2014 23:45:33 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Apporama-with-Fraud-Alert-Not-fun/m-p/3365765#M934573 dabearsv2 2014-08-21T23:45:33Z https://ficoforums.myfico.com/t5/Credit-Cards/Apporama-with-Fraud-Alert-Not-fun/m-p/3366297#M934613 <P>I'll never do a fraud alert again. Freezing is more effective and way less of a pain to me. Even asking for a cli with a fraud alert can be an issue.</P> Fri, 22 Aug 2014 02:43:00 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Apporama-with-Fraud-Alert-Not-fun/m-p/3366297#M934613 Exonumist 2014-08-22T02:43:00Z https://ficoforums.myfico.com/t5/Credit-Cards/Apporama-with-Fraud-Alert-Not-fun/m-p/3366347#M934624 I have had a fraud alert for years. I am use to it but it can be a little fruatrating. Fri, 22 Aug 2014 03:04:13 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Apporama-with-Fraud-Alert-Not-fun/m-p/3366347#M934624 destine2grow 2014-08-22T03:04:13Z