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What is the proper procedure for removing an extended fraud alert from my Experian Credit File?
This is the alert that stays on for seven years. I never put it on in the first place.
I filled out their form to remove a fraud alert (not sure if it includes the extended alert or if an extended can be removed)
and sent in copies of DL and SS Card. Can someone tell me if this is sufficient? Has anyone had to do this?
Both initial and extended fraud alerts under FCRA 605A should only be placed in your file at your request, and can be removed at any time by the consumer simply by notifiying the CRA. FCRA 605A(a)(1)(A) states as such for initial fraud alerts, and FCRA 605A(b)(1)(A) relates to extended fraud alerts.
FCRA 605A(d) governs general procedures, and states specifically that the fraud alert process should be administered in a "simple and easy manner, including by telephone
So you can call the CRA. However, the CRA can require proof of identity before taking any action on the reporting or deletion of a fraud alert, so your call may result in a request for proof of your identity before they remove it. It should be, as the statute requires, "simple and easy." Call the CRA.