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I have a 10 year fraud alert (its an extended fraud alert) on my credit report you can still apply for a credit card online, you will be instantly declined, you will need to call in the Credit Card Company and speak to the Fraud representatives or some will call you only, they will ask you some questions off of your credit report, and then they will tell you if you get approved or deny.
Its only a 5 minute hassle sure beats dealing with identity theft and going through months clearing up your credit because you have a timewarner, comcast, COX...
If you want the fraud alerts removed, you can just call them. They will ask you some verification questions and thats it.
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