Darph Bobo Posted April 23, 2007 Report Share Posted April 23, 2007 When I tried to log into TC this morning, it gave me an error about needing to call customer service to verify my identity.They told me that a fraud alert had ben put on my credit (by me, so he says) and then had to verify some info with me.I just now went to look at my credit reports through annualcreditreport.com, and Experian has a statement in there about there being a fraud alert on my credit that was submitted today.I have not done this, so how could it have gotten there? Link to comment Share on other sites More sharing options...
VonAngel (aka EarthAngel) Posted April 23, 2007 Report Share Posted April 23, 2007 Have you been disputing as "not mine" or disputing inquiries? Link to comment Share on other sites More sharing options...
Darph Bobo Posted April 23, 2007 Author Report Share Posted April 23, 2007 Have you been disputing as "not mine" or disputing inquiries?Yes, I disputed some inquiries last week through CSC. I don't know why that would put fraud alerts on all of the CRA's. Link to comment Share on other sites More sharing options...
answer2prayer Posted April 23, 2007 Report Share Posted April 23, 2007 could disputing inquiries put a fraud alert on the accts???WOW...makes you not was to dispute inquires!! Link to comment Share on other sites More sharing options...
VonAngel (aka EarthAngel) Posted April 23, 2007 Report Share Posted April 23, 2007 Yes, I disputed some inquiries last week through CSC. I don't know why that would put fraud alerts on all of the CRA's.B/c technically, you're disputing them as "not mine". What you're essentially saying when you dispute an inquiry is that you didn't authorize a creditor to pull your credit. W/ the increase in identity theft these days, the CRAs aren't taking it lightly when a consumer says that someone has pulled their credit w/o their knowledge. They're not going to bother asking you if you think it was due to fraudulent activity by another consumer or if a creditor did it by mistake (oops...wrong SS#). They're doing it for "your safety", as they would put it. Link to comment Share on other sites More sharing options...
VonAngel (aka EarthAngel) Posted April 23, 2007 Report Share Posted April 23, 2007 could disputing inquiries put a fraud alert on the accts???WOW...makes you not was to dispute inquires!!Yes it could. I've 'warned' members about it in one of those long disputing inquiries threads. Even so, FAs are not dangerous and they won't get you arrested. I've disputed inquiries constantly and they slapped a 7-year extended alert on mine. I really could care less. It's not preventing me from getting credit. And if I learn that a creditor denied me b/c of it (which they can do), then I would get it removed and ask for a reconsideration. I don't lose sleep over it. Link to comment Share on other sites More sharing options...
answer2prayer Posted April 23, 2007 Report Share Posted April 23, 2007 How can you get the fraud alert lifted? Link to comment Share on other sites More sharing options...
buckeyechick1219 Posted April 23, 2007 Report Share Posted April 23, 2007 When the fraud alert was put on my credit reports, the CRAs also sent me a letter telling me how to have them removed. If one CRA puts a fraud alert on your report, they send the information to the big 3 and they all put the alert on. Link to comment Share on other sites More sharing options...
VonAngel (aka EarthAngel) Posted April 24, 2007 Report Share Posted April 24, 2007 How can you get the fraud alert lifted?You can call TU to ask them to remove it.You can either mail/fax your request, along w/ copies of a photo ID & utility bill in your name, to EQ.EX will only accept a written request, along w/ copies of a photo ID & utility bill in your name, by mail. Link to comment Share on other sites More sharing options...
answer2prayer Posted April 24, 2007 Report Share Posted April 24, 2007 Thankyou so much EarthAngel ...buckeyechick1219 didn't elaborate! Link to comment Share on other sites More sharing options...
buckeyechick1219 Posted April 24, 2007 Report Share Posted April 24, 2007 Sorry, I was at work when I posted my reply to you, so I didn't have the information at my fingertips. I'm glad somebody else could elaborate. Link to comment Share on other sites More sharing options...
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