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Fraud Alert Question

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Anonymous
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Fraud Alert Question

I just found this forum and have been addicted to it eversince. I've learned so much from everyone. My question is, a few years ago my college database was hacked into and they advised us to put a fraud alert with the CRAs. I did that and was wondering how long it should be on and will it have a negative impact of any kind? Thanks.
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Anonymous
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Re: Fraud Alert Question



@Anonymous wrote:
I just found this forum and have been addicted to it eversince. I've learned so much from everyone. My question is, a few years ago my college database was hacked into and they advised us to put a fraud alert with the CRAs. I did that and was wondering how long it should be on and will it have a negative impact of any kind? Thanks.


If its the extended fraud alert I believe its 7 years, and no it will not effect your score at all.
Message 2 of 3
Anonymous
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Re: Fraud Alert Question

Initial Fraud alert is 90 days- extended is 7 years
It has no affect on scores and requires a creditor to verify your identity prior to extending credit.
 
I have applied and was approved for credit w/ a FA.
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