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Fraud Alert and cc apps?

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Brooklyn2018
Valued Contributor

Fraud Alert and cc apps?

Hi, Everyone.

I have a fraud alert placed on my TU cr and of course, the other CRA’s were notified and placed them as well.
Ok. So, with the fraud alert in place, can I still apply for, say, an OpenSky cc(?) which doesn’t check your credit? Or would it still be a hassle anyways? Or just wait until it expires?
Just ANOTHER “out there” question. 👽 lol

Thanks. 😉

Goal Score: 600(within a year)**MET MY GOAL** | Goal Score: 700**MET MY GOAL** | Goal score: 800
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I❤️NY
3 REPLIES 3
916networktech
Contributor

Re: Fraud Alert and cc apps?

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...

| January 2017 American Express Blue $3000 | October 2017 American Express Everyday $2800 | October 2017 American Express Schwab Investor Card $6000 | September 2017 Bank of America Cash Rewards Visa $500 | December 2016 Discover it | $3,000 | September 2017 Paypal MC $700 | September 2017 Nordstrom Store CC $3000 | CreditCare $12000 | December 2017 BBVA Visa $12500 |


EX 688 December 2018
TU 680 December 2018
INQs: 5
Credit Started January 2017


cc
Message 2 of 4
AFreshStart
Regular Contributor

Re: Fraud Alert and cc apps?

If you want the fraud alerts removed, you can just call them. They will ask you some verification questions and thats it.  

Starting Scores Nov 17: 581(EQ) 571(TU) 563(EX)
Cap One VentureOne 5k, Discover 2k, Amex Delta Gold 1k, Amex SPG 1k, Capital One 500,
Message 3 of 4
Brooklyn2018
Valued Contributor

Re: Fraud Alert and cc apps?

Thank you, AFreshStart. 😊

Goal Score: 600(within a year)**MET MY GOAL** | Goal Score: 700**MET MY GOAL** | Goal score: 800
Take the myFICO Fitness Challenge




>


I❤️NY
Message 4 of 4
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