Q: About two years ago I realized that I had been a victim of identity theft and had a fraud alert placed on my credit file. How do I get a fraud alert on my credit report removed?
A: There are two types of fraud alerts: an initial fraud alert
, which stays in your file for at least 90 days, and an extended alert, which stays in your file for seven years. It sounds as if you provided an Identity Theft Report
to obtain an extended alert. An identity theft report includes a copy of a report you have filed with a federal, state or local law enforcement agency, as well as additional information a consumer reporting company may require you to submit.
To remove the fraud alert from your credit file, you must submit a written request to the credit reporting agency where you filed it.
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