How a Fraud Alert Works

How a Fraud Alert Works

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While the fraud alert is in place, credit should not be extended in your name unless the credit grantor using the credit report takes reasonable steps to verify the identity of the person making an application for credit, and/or contacts you at the telephone number(s) specified, thereby reducing some potential opportunities for identity theft. A fraud alert is by no means fool-proof, and you need to understand the following weaknesses and limitations of the fraud alert system.