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my eq report has a fraud flag on it. i want to get it removed, but how? i know what caused it, but i don't know how to remove it.
DW had a FA on her EQ report and got it resolved by calling them. After about 10-15 minutes on the phone it was all resolved. Check your TU and EX reports too. Often the FA carries over.
FCRA 605A governs fraud alerts in your credit file. They remain for a minimum of 90 days. However, FCRA 605A(a)(1)(A) specifies that you can request earlier deletion simply by request. to the CRA. The only condition on this request is that you provide the CRA appropriate proof of your identity.
If you call or write the CRA, cite to them the above provision of FCRA 605A(a)(1)(A), and be prepared to provide them appropriate proof of your identity.