What is a Fraud Alert?

A fraud alert is a notice on your credit report that alerts creditors you are or may be a victim of fraud, including identity theft. A fraud alert can make it harder for someone to open unauthorized accounts in your name. It encourages lenders and creditors to take extra steps to verify your identity, such as contacting you by phone, before opening a new credit account in your name or making changes to existing accounts.

There are two types of fraud alerts you can place on your credit report, and both are free.

1. Initial fraud alert - If you believe you are, or may become, a victim of fraud or identity theft, you may place an initial fraud alert on your credit report. An initial fraud alert lasts for one year, unless you choose to remove it sooner, and can be renewed. To place an initial fraud alert, please visit: my.equifax.com.
2. Extended fraud alert - If you have a police or FTC report showing you’re a victim of identity theft, you may place an extended fraud alert on your credit report. It lasts for seven years, unless you choose to remove it sooner, and removes you from pre-screened credit and insurance offers for 5 years. You may request an extended fraud alert by mail. Visit my.Equifax.com for more on requesting an extended fraud alert.