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 a TransUnion fraud alert any time using our online Service Center with no effect to your credit score.
Think you may be a victim of identity theft?
Use our Fraud Victim Resources to learn more about how to respond.
How to Place a Fraud Alert: Explore Your Options
You’re entitled to one free credit report with an initial fraud alert or two free credit reports with an extended fraud alert. If you want a copy of your credit report now without setting a fraud alert, you can get one here.
TransUnion offers three types of fraud alerts you can place on your credit report. Choose the option below that best fits your needs.
Learn More About Fraud Alerts
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.
The first step in figuring out if you’re a victim of identity theft is to look for evidence that it occurred. Review your credit report for signs of suspicious activity and unfamiliar changes, like accounts opened that you don’t recognize or credit checks from companies you’ve never done business with. Monitor your credit card or other account statements for purchases you didn’t make.
Identity theft is a serious crime, but we’re here to help you through it.
- Alert your financial institutions and cancel credit cards and checks, if needed.
- Report the fraud to the FTC and your local law enforcement.
- Protect your credit report with a credit freeze and add a fraud alert.
- Get a copy of your credit report and review it for inaccuracies; you can dispute fraudulent activity through our free online dispute process. TransUnion can block fraudulent information from your credit report if you send us an FTC identity theft report or a police report, proof of your identity and a letter that identifies the fraudulent information on your credit report.
We also have more resources to help you through this process:
- Our Fraud Victim Checklist can also help you determine who to contact.
- Review the Fraud Victim Bill of Rights for more information on your rights as victim of fraud.
Whether you’ve experienced it or not, there are several things you can do to protect yourself from potential identity theft:
- Review your credit report for any unusual activity with free weekly credit reports at annualcreditreport.com.
- Keep an eye on your financial accounts for suspicious charges.
- Treat your personal information with care both online and off: use secure passwords and be aware of phishing phone calls, text messages and emails.
Get started with fraud alerts for free through our TransUnion Service Center, where you can:
- Place a fraud alert on your credit report to notify creditors to take extra steps to verify your identity before extending credit.
- Add, temporarily lift or remove a credit freeze from your credit report. A freeze can help protect you from identity theft by preventing fraudsters from opening a new account in your name.
- Submit a dispute if you find any inaccuracies on your credit report.
- Get a free copy of your credit report; add an optional consumer statement if you want to provide additional context to your financial situation to anyone who views your credit report.
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