What is an Extended Fraud Alert?

Level Up Your Credit Protection with an Extended Fraud Alert! 🛡️

Think a regular fraud alert is good? Meet its more powerful cousin: the Extended Fraud Alert. This upgrade doesn't just flag suspicious activity; it puts a security freeze on your credit report.

What does that mean for you? It makes it WAY harder for sneaky fraudsters to open new accounts in your name because new lenders can't easily access your credit file.

Want to seriously minimize your risk of unauthorized credit activity? An extended fraud alert is a smart move.

Here's a detailed breakdown:

1. 1. Report the Identity Theft:

   If you've been a victim of identity theft, file a police report or an Identity Theft Report with the FTC. 

2. 2. Contact a Credit Bureau:

   Choose one of the three major credit bureaus: Equifax, Experian, or TransUnion. 

3. 3. Request an Extended Fraud Alert:

   Inform the credit bureau that you want to place an extended fraud alert on your credit report. 

4. 4. Provide Documentation:

   You'll need to submit the following documents:

   • A copy of your police report or FTC Identity Theft Report. 

   • Proof of identity (e.g., Social Security card, driver's license). 

   • Proof of address (e.g., utility bill, bank statement). 

5. 5. Submit the Request:

   You can submit the request by mail, online, or by phone, depending on the credit bureau's specific instructions. 

Important Notes:

• An extended fraud alert lasts for seven years and is specifically designed for victims of fraud and identity theft. 

• These alerts are free of charge. 

• If you suspect you've been a victim of identity theft, the Identity Theft Resource Center can provide a personalized recovery plan.