How do I get a fraud alert removed from my credit report? Can I remove an identity theft alert on my record after only a few months?
- NDG
Dear NDG,
Yes, you have the right to place a fraud alert from your credit report, and remove it at any time if you decide you no longer need it. While there is more than one type of fraud alert that can be added to a credit report, the steps for removing them are the same.
Initial Fraud Alert vs. Extended Fraud Alert
An initial fraud alert remains on your credit report for 12 months and notifies lenders that someone may be trying to apply for credit in your name and to verify your identity before granting credit.
An extended fraud alert, or fraud victim statement, on the other hand, can be added only with a valid identity theft report and remains on your credit report for seven years.
Experian also offers a one-year alert for deployed service members, called an active-duty alert.
How to Remove a Fraud Alert or Victim Statement
Experian automatically removes fraud alerts once they expire. If you have added a fraud alert to your credit report and would like it to be removed ahead of time, you have options. you can visit the Experian Fraud Alert Center for instructions on how to complete the request online or by mail.
Fraud Alert vs. Security Freeze
You can also place a security freeze on your credit file. Unlike a fraud alert or victim statement, a security freeze prohibits potential new creditors from accessing your credit history at all unless you first lift the freeze. You must unfreeze your credit file before applying for credit or other services that require access to your credit history, such as opening a new cellphone account or applying to rent an apartment. Learn more about how to put a freeze on your credit and the various methods in which you can accomplish a credit freeze, or unfreezing your credit.
If you wish to temporarily lift or remove your freeze, you can do so online at Experian's Security Freeze Center.
Check Your Credit Report Often
If you've been the victim of identity theft or have reason to believe your personal information has been compromised, checking your credit report frequently can help alert you to potentially fraudulent use of your identity so you can take appropriate action as quickly as possible.
In addition to receiving your free annual credit report through AnnualCreditReport.com, you can check your Experian credit report for free online anytime.
Thanks for asking.
Jennifer White, Consumer Education Specialist