Fraud Alert

You may add a fraud alert for free to the credit report, which notifies anybody who receives a credit application in the name to confirm the identity prior to processing the application.

A fraud alert is meant to increase security throughout the loan application process by discouraging thieves from starting fictitious credit accounts or obtaining loans in their name. When a creditor reviews the credit application, the first stage usually involves a credit check, which necessitates access to the credit history at one of the national credit bureaus. A fraud notice asks the creditor to verify the identification before accessing the report, stopping the process of doing a credit check.