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sgriffin26, Loan Officer
Category: Finance
Satisfied Customers: 93
Experience:  Licensed RE Agent, Loan Officer, and NMLO. I have been in residential lending for over 10 years.
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What happens when you put a Fraud Alert on the credit bureaus

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What happens when you put a Fraud Alert on the credit bureaus ? I was told by Consumer Protection of Florida to have a fraud alert issued by calling Trans Union. I called the telephone I was given but it was only the recording and choices, I was unable to speak with anybody to be sure that this is what I wanted to do. Then the recording said I had the fraud alert activated and hung up.
What is a fraud alert ? What does it do ? How do I cancel it if I don't want it after all ? I despise having to do business with a recorded robot everywhere. Gina

sgriffin26 :

Hello and Thank you for using Just Answer.

sgriffin26 :

A fraud alert is something that the major credit bureaus attach to your credit report. When you, or someone else, tries to open up a credit account by getting a new credit card, car loan, cell phone, etc., the lender should contact you by phone to verify that you really want to open a new account. If you aren’t reachable by phone, the credit account shouldn’t be opened

sgriffin26 :

  • Within 24 hours, an alert should be be activated at the credit bureau. You should receive a confirmation in the mail a week or two after your call. If you don’t receive this confirmation, call a place the alert again.Your name will be removed from all pre-approved credit and insurance offers for two years.

The fraud alert will remain in place for only 90 days. When the time runs out, you’ll need to reactivate the alert. You can also apply for a 7-year victim statement that will keep the alert in place for, you guessed it, 7 years. For this, you will have to provide proof that you’ve been a victim of fraud.

sgriffin26 :

If you decide you want to remove a fraud alert you’ll need to request it in writing. You’ll have to include your name, social security number, current and previous addresses, date of birth, and telephone number and send it to the fraud department of the credit bureaus where the alert has been placed. I’d also suggest using certified mail or overnight shipping. You want to be able to track a letter that has all that critical data. You could also just wait the 90 days for the alert to expire.

sgriffin26 :

Please let me know if you need more information or clarity on my answer. Thank you.


This is a wonderful, clear answer. The Robot Recording at Trans-Union did say that the first 30 days are free but we will be billed $9.99 then per month. I question that I heard that correctly also, I believe that I did, but I do not want to pay that fee, wondering also if it applies to each of the other 2 credit bureaus they mentioned, Experian & I-Forget. Any idea ? Thanks again, I was afraid that we would not be able to use our current credit cards or that it might affect in some way the re-fi we are in the middle of right now.

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