What Are Fraud Alerts And Victim Statements? - CREDIT FRAUD

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CREDIT FRAUD: What are fraud alerts and victim statements?


Fraud alerts let creditors know that fraud has been associated with your credit report. As a result, creditors may confirm that they're dealing with you and not an imposter before granting credit or other services.

Victim statements tell creditors to contact you before granting credit or other services. Victim statements may cause delays in getting credit while the creditor tries to contact you. If you have a cell phone, you may want to include that number in your statement.

The following charts describe the current fraud alert and victim statement placement procedures of the credit bureaus. Please note: TransUnion and Equifax use a combined fraud alert and victim statement. Be sure to confirm these procedures when you contact the credit bureaus as they may change.

INITIAL ALERT

Credit Bureau Period of Initial Coverage Can You Request an Alert Online? Is a Free Credit Report Provided?
TransUnion 12 Months No Yes
Equifax 6 Months No Yes
Experian 3 Month Fraud Alert Yes Yes, can be provided online


RENEWALS

Credit Bureau Period of Renewal Coverage Is a Free Credit Report Provided? Number of Renewals Allowed
TransUnion 12 Months or 7 Years Yes Unlimited
Equifax 6 Months or 7 Years Yes Unlimited
Experian 3 Month Fraud Alert or 7 Year Victim Statement Yes, provided online Unlimited


Infomation from Consumer.gov

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