If you suspect that your personal information has been stolen and can be used to make fraudulent transactions to open new accounts for seeing your name than you may place an initial fraud alert on your credit report. There are two kinds of fraud alerts that can be placed on the credit report. There is an initial fraud alert which typically lasts for a period of 90 days. For overseas military personnel a fraud alert lasts repeated one year. The second and a fraud alert is when you have been a victim of identity theft. This fraud alert will last for a period of seven years off to the time that you remove it from your credit report depending upon the laws prevent in your state.
In order to place a fraud alert on your credit reports you’ll need to contact each of the credit bureaus over the telephone or in writing. Many place a fraud alert with one credit bureau it is required to notify the other two credit bureaus as well.
In order to place a fraud alert on your credit report you need to send a request in writing or call them on the phone number provided below providing your account number, name, address, social security number, identity proof and an identity theft report in case you have been a victim.
These are the addresses for sending in a request for fraud alert on your credit report to the three national credit bureaus Equifax, Experian and TransUnion.
By phone: 18005256285
By mail: P.O. Box 740241, Atlanta, GAA 30374-0241
By phone: 1883973742
By mail: P.O. Box 9532, Allen, Texas 75013
By phone: 18006807289
By mail: Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790.
Many place a fraud alert on your credit report when you have been a victim of identity theft it is known as an extended fraud alert. This will lasts repeated seven years or until the time that you remove the fraud alert. All credit bureaus require that the extended alert be requested in writing by mail.