Here are the limitations placed on files once an initial fraud alert is reported under FCRA 605A:
1. It lasts for 90-days, unless converted into an "extended alert" by filing of a request and a copy of a police report.
2. It may be rescinded at any time by the consumer.
3.Once placed in the file and active, it requires that any credit report issued while in effect must include a notification that
the consumer does not authorize the establishment of any credit plan or extension of credit without the consumer's express consent.
4. the CRA with which the initial alert is requested must forward the request to each of the other big-three CRAs, who will also place the alert in their files.
It does not block access to your CR, but merely advises those who pull it that they are not authorized to open an account of extend credit in your name without your prior, specific approval. The employer should be able to pull it.
