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Fraud Alert

A fraud alert is free and notifies creditors to take extra steps to verify your identity before extending credit. You can add a 1-year, 7-year, or Active Duty Military fraud alert. Remove it any time using our online Service Center with no effect to your credit score.

Add Fraud Alert

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Think you may be a victim of identity theft?

Use our Fraud Victim Resources to learn more about how to respond or check out our Fraud Companion Guide for even more guidance.

Fraud Alert vs. Credit Freeze

A fraud alert and a credit freeze are both great, free ways to help you prevent identity theft and protect your personal data. But they’re not the same, and knowing the differences can help you choose the one that will best fit your needs.

When should I use a fraud alert?

When you want lenders to take an extra step and call you to verify credit applications in your name, but not completely block access to your credit report.

How fast is it?

A fraud alert will show up on your credit report the same day you place it.

How does it protect me?

Lenders will call you to verify a credit application made in your name. This can help you spot potential identity theft.

Is it free?

Yes. You can add or remove a fraud alert at any time for free on the TransUnion Service Center. We’ll also notify Experian and Equifax so they can add an alert to the report they have for you.

When should I use a credit freeze?

If you want a free option to make sure no one can access your credit report.

How fast is it?

Adding or removing a credit freeze often happens in real time, but to be on the safe side, allow up to one hour for it to go into effect.

How does it protect me?

A credit freeze blocks lenders from accessing your credit report, giving you more control of your information. You can log in at any time to see your freeze status.

Is it free?

Yes. You can add or access your credit freeze at any time for free on the TransUnion Service Center. Unlike fraud alerts, you will need to notify Equifax and Experian on your own to freeze your credit with them.

Fraud Victim Fundamentals

If you think you’re a victim of identity theft, knowing the signs to look for and what to do next can help you take control of the situation and get on the path to recovery.

Get started with Fraud Alerts for free through our TransUnion Service Center, where you can:

  • Place Fraud Alerts to protect your identity
  • Control who can access your credit information with Credit Freeze
    Are you applying for credit or has a lender referred you here to lift a freeze on your TransUnion credit report? You’re in the right place.
  • Manage or fix any inaccuracies on your credit report
  • Add a note to your report around any COVID-19 or other financial considerations
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Interested in more ID Protection Services from TransUnion?

Lock your credit report for free with TrueIdentity

TrueIdentity is a free product that lets you lock your credit report at any time for no charge.

  • Stay informed with unlimited TransUnion credit report access and refreshes
  • Instant Alerts sent as soon as TransUnion finds out someone applied for credit in your name
  • Up to $25,000 ID theft insurance coverage
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Get credit locking, instant alerts, and more with TransUnion Credit Monitoring

TransUnion Credit Monitoring is a paid subscription that can help you protect your credit report, manage your data identity, and approach your credit with confidence.

  • Stay informed with daily TransUnion credit report refreshes and 3-bureau monitoring
  • Email alerts sent as soon as TransUnion finds out someone applied for credit in your name
  • CreditCompass recommendations based on your credit profile to help you point your score in the right direction
  • Up to $1,000,000 ID theft insurance coverage
  • What You Need to Know:

    There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender.

    Subscription price is $24.95 per month (plus tax where applicable).

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