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Financial Learning Center


Identity Theft

What is a fraud alert?

Once you have reported identity theft, you can ask the three major credit reporting agencies to place an extended fraud alert on your credit file. The alert will last for up to seven years, and it lets potential creditors or lenders know that you have been a victim of identity theft so they can help protect you.

Once this fraud alert is in place, you are allowed to receive two free credit reports annually from each of the credit reporting agencies. The credit reporting agencies will also remove your name from the list for receiving prescreened credit offers for five years. You may remove the fraud alert at any time.

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