I was wondering if it looks bad on your credit report to have a fraud alert on it. Here is my situation. I got a weird call Saturday from a woman verifying my personal information for some kind of credit card. She called really early in the morning so I was kind of confused when she called. She had all my info right except for the last 4 digits of my SSN. I asked her what this was about and she kept saying my credit card application. I hadn't applied for a credit card, so I asked her which bank she was calling from and she kept repeating that she just needed to verify my information. I told her I wouldn't do that and I wanted to talk to her mgr. She hung up at that point. The caller ID showed unavailable so I'm not sure where she was from. I told a friend of mine about it and she recommended that I call all 3 credit reports and ask if their where any recent inquiries. Only Equifax had an inquiry from Providian. I don't know whats going on but I do know that I now have VERY good credit and have rcvd a lot of pre-approved Platnium cards in the last 6 months or so. I'm just afraid that if I do decide to accept one of these deals, that when they see the fraud alert they will no longer want to do business with me or worse yet, a fraud alert might lower my credit score. If anyone knows of any negative consequences for having a fraud alert on your credit report, please let me know. Thanks Beth p.s I got a call today from a computer generated voice that said "We just want to verify your phone number" , then it hung up. Caller ID showed unavailable.