Recently I tried doing things sucha s disputes and viewing my credit report online for Experian.. however, it says there has been a "FRAUD ALERT" placed on my report. I checked out my last report and it has a fraud reported on there that will remain for 3 months. How and why is this on there and how can I get it removed? Is this bad/good?
Hello Ender Don't recall seeing you around for a while. How ya been? I don't know the answer to your question, but have you tried calling them up or writing them and asking them about it? I should think they should tell you easily with out you having to make a federal case out of it.
Experian won't let you remove it over the phone but you need to send it in writing. If you want it done asap, I believe you can fax it. Heres the main bureau's fax number 1-877-454-1010. Kellie
Make sure you send a copy of your ID (drivers' license) with your current address and a copy of your SSN card or a utility bill. They require you send them this to remove a FRAUD ALERT. If you don't, they will just send you a standard generic form telling you they can't remove it without all the proper identification information (i.e. all the stuff I stated above).
WHAT IS SO SPECIAL ABOUT A UTILITY BILL??? I spend more in one month on VISA/MC/DISCOVERCARD/AMEX than I spend for 1 YEAR OF ALL UTILITIES COMBINED!!!
Actually, I have a method of handling those demands that I like a lot. You can see them at http://www.creditwrench.com/ides.html and at http://www.creditwrench.com/hphcp.html This method keeps you from having to send off a wad of personal information that you may wish you had not disclosed at some later time and it also means that you only have 2 sheets of paper to send to take care of their whole demand. There isn't much of any way they can argue with you when you do it this way either.
GEORGE The utility bill is not really important. It's the address on it that's important because it best verifies residence because it shows that you pay bills for charges incurred by services to that address where you claim residence. Credit Card bills might work just as good. Again, copies of drivers' license (with current address) and SSN card will be enough to satisfy the CRAs that you are who you say you are. I only suggested the utility bill (or credit card statement) as an ALTERNATIVE to those who do not want to send the CRAs their drivers' license (because the CRAs like to Extract information from it like your Drivers' License number..........this ring a bell........ A.K.A. EXPERIAN). Experian still does not have my drivers' license number and will never get it.
They ask for utility bills as proof you receive mail for services at the residence address you indicate. I usually provide another bill (i.e. credit card etc.) as all utilities are included in the rent where I live. Bill's method works well also. Personally I think utility bills are poor proof as you can provide anyone's name and ssn to most utilities and they will turn on power if that person does not have another existing account with their company - they never require proof you are who you say you are.
