Comments on: What Is A Fraud Alert And How Does It Affect Your Credit? http://blog.equifax.com/credit/what-is-a-fraud-alert-and-how-does-it-affect-your-credit/ Wed, 19 Jun 2013 13:51:28 +0000 hourly 1 http://wordpress.org/?v=3.5 By: Equifax Experts http://blog.equifax.com/credit/what-is-a-fraud-alert-and-how-does-it-affect-your-credit/#comment-79 Equifax Experts Thu, 24 Jun 2010 21:37:28 +0000 http://ec2-50-19-98-117.compute-1.amazonaws.com/credit/what-is-a-fraud-alert-and-how-does-it-affect-your-credit/#comment-79 JNW, you have to have a valid police report showing that you've been a victim of identity theft to actually have an extended fraud alert placed on your file, so it's definitely out of the ordinary that you're being told you have an extended fraud alert on your file. Have you pulled your Equifax Credit Report to find out whether you actually do have this extended alert on your file? You can get a free credit report at equifax.com or annualcreditreport.com. However, even if you do have an extended fraud alert on your file, it should not prevent the creditor from accessing your file. An extended fraud alert is similar to an initial 90 day fraud except that it lasts for seven years, of course, but also because it actually requires the creditor to verify your request at a telephone number you provide when you request an extended fraud alert. The creditor is not prevented from accessing your credit file like with a security freeze. If a creditor is indicating that they are unable to access your file, there could be another issue happening altogether.

In the meantime, fraud alerts must be removed from your credit file in writing. You can submit a written request to Equifax at the following address:

Equifax Information Services LLC
PO Box 105069
Atlanta, GA 30348-5069

Be sure to include your name, social security number, current and previous addresses, date of birth, and telephone number.

]]> By: jan http://blog.equifax.com/credit/what-is-a-fraud-alert-and-how-does-it-affect-your-credit/#comment-78 jan Thu, 24 Jun 2010 13:32:45 +0000 http://ec2-50-19-98-117.compute-1.amazonaws.com/credit/what-is-a-fraud-alert-and-how-does-it-affect-your-credit/#comment-78 Hello Folks,,,

I have a serious problem that I had almost given up on. I was placing a Temporary alert on my report every 4 months – or at loeast I thought I was. Several months ago I attempted to purchase a 1500.00 computer from Dell on credit. I have a 808 credit score and figured no problem as far as financing with 0 charge for financing. Well Dell could NEVER pull a CBI on me. For some reason Equifax had installed an "Extended Fraud Alert" or 7 year alert on my credit report. I called and called and CALLED Equifax and never got any help from anyone. (0% of the people I tried to communicate could seak or understand English and the few % that did came back to me with totally unrelated reasons why it happened, and totally weird resolution suggestions. I got this "blog" in an email, and thought I would attempt to resolve the problem one more time. I hope that someone with Equifax that has some power sees my entry and helps me. An 808 credit score isn't worth a pinch of puppy stuff to me if my credit report is FROZEN. What would be nice is a phone number and persons name that I can tak to please.

Tanks,

AND

Sincerely,

JNW

]]>