How to Remove a Credit Fraud Alert from Each of the 3 Major Credit Bureaus

Word identity fraud and credit cardIn an era where identity theft and fraudulent credit activity is prevalent, it is imperative that consumers have tools to keep their financial lives protected. In recent years, the three major credit bureaus – Equifax, Experian and TransUnion – along with the federal government have implemented steps that consumers can take to help safeguard their personal information. The first line of defense against the fraudulent use of your personal information is placing a credit fraud alert on your credit file before or shortly after you are the victim of identity theft.

What is a Credit Fraud Alert?

A credit fraud alert is a temporary notice placed on your credit file that prompts creditors for new credit applications to take the appropriate steps to verify your identity prior to an account being opened. Whether it is a new credit card, a personal loan, mortgage or line of credit, a fraud alert adds an additional barrier between an identity theft and an unknowing creditor.

Fraud alerts are provided at no cost to individuals, whether or not they have been the victim of identity theft or fraudulent credit activity, and are in force for 90 days. While temporary fraud alerts are sufficient for most individuals, an extended fraud alert lasting for seven years can be requested for victims of identity theft, also at no cost. The process of placing a fraud alert varies among the three major credit bureaus, but is most commonly achieved through submitting a request via the agency’s website, over the phone or via certified mail.

Removing a Credit Fraud Alert

Each of the three major credit bureaus vary slightly in how temporary and permanent credit fraud alerts are effectively removed prior to their expiration date. Follows these steps for each of the bureaus listed below.

Equifax Fraud Alerts

Equifax logoA temporary fraud alert may be removed by letting it expire 90 days from when it was requested, or by submitting a request in writing. The written request should include verification of your personal information, and can be mailed to the Equifax at:

Equifax Removal Address

Equifax Consumer Fraud Division
PO Box 740256
Atlanta, GA 30374

Additional information on fraud alerts can be found on the Equifax website.

Experian Fraud Alerts

Experian logoExperian requires that a fraud alert removal request be submitted in writing as well, if the request is being made prior to the alert expiration date. Verification of personal information must be included in the written letter, such as a copy of a government ID or driver’s license, along with name, date of birth, and social. Requests can be sent directly to Experience at the following address:

Experian Removal Address

PO Box 9554
Allen, TX 75013

A copy of the form letter provided by Experian can be found on the bureau’s website.

TransUnion Fraud Alerts

TransUnion logoUnlike Equifax and Experian, a fraud alert can be removed from your TransUnion credit report by submitting a request form online. The request requires you to input your personal information and is processed immediately after it is reviewed. Access to TransUnion’s fraud alert removal system can be found here.

However, if you prefer you can call TransUnion at 888-909-8872, or mail them.

TransUnion Removal Address

TransUnion LLC
P.O. Box 2000
Chester, PA 19022-2000

If you have trouble please let us know.

Posted on September 28, 2016 by in Credit Monitoring

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6 Responses to “How to Remove a Credit Fraud Alert from Each of the 3 Major Credit Bureaus”

Vickie December 18, 2016

Thank you from vickie

Wes December 19, 2016

You’re welcome Vickie!

Brenda Johnson March 27, 2017

I can’t find the online form to remove a fraud alert. Where is it please?

Wes March 27, 2017

Hi Brenda, unfortunately TransUnion is the only credit bureau that has an online form. It’s the same form used to place an alert.

Vinny April 7, 2017

Hi Wes-
So if I remove the alert from TransUnion, they should contact the other two and ask them to remove it as well? Or should I write to the other two with their form and documentation? If I write to the other two, how long typically should I wait to have it lifted?

Wes April 7, 2017

Hi Vinny, I just spoke to TransUnion and they said you will need to notify all three credit bureaus when you are removing a fraud alert. Only when you place a fraud alert will they notify Equifax and Experian too. They require 5 business days to verify your information and remove the alert once it is received, but can lift it immediately if the request is made by phone.