Thwart sneaky scammers by activating fraud alerts. Select the option below that best fits your situation, and you’ll be on your way to a stronger line of defense in no time.
Types of Fraud Alerts
There are three types of alerts you can place on your file – choose the one that’s appropriate for you.
|Initial Fraud Alert||Extended Fraud Alert||Active Duty Military Alert|
|Is it right for me?||You are concerned about becoming a victim of fraud or ID theft.||You are a victim of fraud or ID theft.||You are in the military and want to minimize your risk of fraud/ID theft while you are deployed.|
|Benefits||One free credit report at TransUnion, Equifax and Experian||Two free credit reports at TransUnion, Equifax and Experian in the first 12 months|
|Duration||1 year||7 years||1 year|
|Next Steps||Place an Initial Fraud Alert||Place an Extended Fraud Alert||Place an Active Duty Military Alert|
If you place a fraud alert with one Credit Reporting Agency, they will alert the other two Credit Reporting Agencies to place an alert.
Once you place a fraud alert on your credit report, you can choose to remove it at any time online.Remove a Fraud Alert
What is a fraud alert?
A fraud alert (valid for one year) notifies lenders to call you to verify your identity before extending new credit. This extra step ensures that you are undoubtedly you, and not an imposter trying to open a new credit account to buy a new car in your name. Even better, you only need to add the alert with one bureau and they’ll notify the other two. The best part? It won’t cost you a dime.
How long does a fraud alert last?
A fraud alert will be on your credit report for 1 year. Remember to mark it down in your calendar.
What is an extended fraud alert?
An extended fraud alert is a 7 year alert made for victims of identity theft. This 7 year alert urges lenders to verify your identity before extending any credit and grants you two free credit reports from all three credit bureaus during the first year of recovery. To place an extended fraud alert you will need to mail us a copy of your identity theft report and the Extended Fraud Alert form.
What is an active duty fraud alert?
We want to help you minimize your risk of fraud or theft while you’re serving our country. An Active Duty Alert will notify potential creditors that you’re currently deployed – or about to be – so they’ll take extra steps to verify your identity before extending credit in your name. You can place your active duty alert online.
Will a freeze or fraud alert affect my credit score?
A freeze or fraud alert will not affect your credit score, so go ahead and apply for that loan. Get your dream apartment with the marble countertops.
Will anything different happen if I apply for credit with a fraud alert in place?
Yes. The creditor will see the fraud alert when they pull your credit report. This will notify them to take extra precautions to verify it’s really you and provide them with a phone number to contact you.
Do fraud alerts stop me from buying things with my credit card?
Nope. Fraud Alerts do not affect any purchases you make with your credit card. Go ahead and make that purchase.
Can I have a fraud alert at the same time as a credit freeze?
Yes. You can have one or both. The choice is yours.
If I lost my wallet, is placing a fraud alert a good idea?
Yes. While we can’t get you a new wallet we can notify anyone who attempts to open an account in your name that there is a fraud alert on your credit report. It would also be a good idea to cancel any credit cards that were in your wallet.
What should I do to protect my identity?
You’re the first line of defense when it comes to protecting your identity. Check your credit reports and financial accounts regularly for any suspicious activity. You can get your credit report here for free, once a year, from all three bureaus. Set up transaction alerts if your bank offers them. Consider adding some extra armor like a fraud alert, credit freeze or a credit lock. Monitor your credit regularly and receive alerts when something changes on your report. Lastly, use a password manager solution like Dashlane.
I placed a 90 day fraud alert recently, but I see you have 1 year fraud alerts now. What happens to my fraud alert?
Going forward, we changed the length of time a new fraud alert will be on credit reports from 90 days to 1 year. If you previously placed a 90 day fraud alert, it will be in effect for 90 days. At the end of the 90 days, you can request a 1 year fraud alert be placed on your credit report. This doesn’t apply to extended fraud alerts, which are still 7 years. Login to your account to add a 1 year fraud alert. When you place a fraud alert you will get a confirmation email/letter. Your fraud alert will be on your credit report for 1 year from your confirmation email/letter. Be sure to mark your calendar.
How do I place a fraud alert on my credit report?
The easiest way to get your fraud alert placed ASAP. If you don’t have an account, you will need to create one.
How do I change the phone number I inserted into my fraud alert?
The easiest way to change your phone number ASAP. If you don’t have an account, you will need to create one.
Is there a fee for a fraud alert?
Fraud Alerts are free. So is removing your fraud alert.
Does the fraud alert take effect right away?
Yes. The fraud alert will be on your credit report the same day you place it.
If I place a fraud alert with TransUnion do I need to do the same with the other bureaus?
Nope. We’ve got it covered. Once you place a fraud alert with us, we will notify Experian and Equifax so they place a fraud alert on your credit reports with them.
What if I need to apply for credit?
You will still be able to apply for credit with a fraud alert. Unlike a freeze, a fraud alert does not block access to your credit report. Anyone who views your credit report will just be notified to take extra precautions to verify it’s really you applying for credit.
Can I place a fraud alert for my family members?
Yes. If your family member is unable to place a fraud alert on their own, you can do it for them by calling (888) 909-8872.
Can I add a fraud alert for a deceased family member?
We’re sorry you have to go through this tough time. While you can’t place a fraud alert on the credit report of a deceased family member, you can update your family member’s credit report to show as deceased. Follow the steps below and we will help you update your loved one’s credit report and give you peace of mind:
Contact all creditors that the deceased person(s) did business with and request that they mark their files accordingly. Be sure to forward a copy of the death certificate, once you receive it.
Check with the Social Security Administration to ensure that they have updated their files and notified the credit reporting companies. Refer to the internet to find the address and phone number of the nearest Social Security office.
Forward a copy of the death certificate to one of the three credit reporting companies; the receiving bureau will notify the other two companies. This will allow the credit reporting agencies to add a notation to the credit report that the consumer is deceased. Along with the death certificate, please include the person’s legal name, Social Security number, date of birth and date of death. The letter should also include the name and mailing address for the spouse, plus a copy of their identification. If the request is from an executor for the deceased, or someone other than a spouse, we need a copy of identification for the requestor, plus a copy of the will/executor agreement or Power of Attorney documentation.
You can mail your information to TransUnion at:
P.O. Box 2000
Chester, PA 19016
Can a company I already have a relationship with view my credit report if I have a fraud alert placed?
Yes. Companies you already have a relationship with will be able to view your credit report to make changes should they need to.
How do I remove my fraud alert?
The easiest way to remove your fraud alert ASAP. If you don’t have an account, you will need to create one.
If I remove a fraud alert with TransUnion do I need to do the same with the other bureaus?
How long does it take to remove my fraud alert?
Just a matter of minutes. Login to your account and remove your fraud alert with a few clicks. If you don’t have an account, you will need to create one.
Once you realize that you are a victim of a fraud, start by contacting necessary agencies. Read more
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TransUnion’s FVAD is the credit industry’s first department dedicated to helping victims of credit
Children make a tempting target for identity thieves because theft of a child's identity may
go undetected for years.
List of contact information to use and keep for reference during the fraud resolution process.
If you are a parent of a minor protected person and would like to place a protected consumer freeze. Read more