topic Re: "High Risk Fraud Alert"....Huh?? in General Credit Topics

"High Risk Fraud Alert"....Huh??

Anonymous — Fri, 03 Oct 2008 00:10:42 GMT

We're working with a mortgage broker, who sent me a copy of the tri-merged credit report.

Beneath the derogatory summary and before the list of creditor contact info, is a section that says "high risk fraud alert". It has my name and beneath it, "available and clear".

What does that mean? It doesn't show up on the consumer versions I've bought. Are they saying I'm personally a high fraud risk? and if so, on what basis? The broker didn't mention it as an issue, but I'd like to know what that's all about!

Re: "High Risk Fraud Alert"....Huh??

smallfry — Fri, 03 Oct 2008 13:24:00 GMT

Have you disputed anything on your reports?

Re: "High Risk Fraud Alert"....Huh??

Anonymous — Fri, 03 Oct 2008 14:06:42 GMT

I presently have something disputed with one CRA. Aside from that, I've disputed a number of inaccurate items over the past year or so that have been corrected or removed.

Re: "High Risk Fraud Alert"....Huh??

Anonymous — Fri, 03 Oct 2008 17:39:27 GMT

Did you dispute any of them as "not mine"?

Re: "High Risk Fraud Alert"....Huh??

Lel — Fri, 03 Oct 2008 23:24:41 GMT

@Anonymous wrote:
We're working with a mortgage broker, who sent me a copy of the tri-merged credit report.

Beneath the derogatory summary and before the list of creditor contact info, is a section that says "high risk fraud alert". It has my name and beneath it, "available and clear".

What does that mean? It doesn't show up on the consumer versions I've bought. Are they saying I'm personally a high fraud risk? and if so, on what basis? The broker didn't mention it as an issue, but I'd like to know what that's all about!

I don't think it means that you personally are apt to commit fraud, but perhaps there was an account on your record that was deemed to be fraudulent.

What is the company that provided the trimerged report? Maybe you could contact them and find out what this means.

Re: "High Risk Fraud Alert"....Huh??

smallfry — Sat, 04 Oct 2008 04:07:57 GMT

Not mine or unauthorized charge would get ya a 90 day initial fraud alert. I would check into this myself as this does seem a little out of the ordinary.

Re: "High Risk Fraud Alert"....Huh??

Anonymous — Sat, 04 Oct 2008 15:28:21 GMT

Hmmm... maybe that's it. It's hard to remember back now, but I might have said "I have no idea who this is" with regard to an old line. The reports purchased online are so much harder to read than the printed ones, as a lot of the information is left out. (I'm told that's for my privacy?)