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

Experian
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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Comments & Discussion



18 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?
Thanks.

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.

Roger Parker June 20, 2017

Wes,

I have sent repeated letters, copies of my ID’s, Social Security Card, Utility Bills and more. Transunion is the only agency who has given me the run around to REMOVE a 7 YEAR FRAUD ALERT I did not place. I am Disabled and not well, and I don’t have the energy to keep fighting with Transunion to REMOVE that FRAUD ALERT. I get it removed from EQ and EX and Transunion then sends them 10 days later another notice saying I put a FRAUD ALERT on my file, and I have to repeat the process over and over and over. I have done everything to have them legally remove that FRAUD ALERT and they just give me the run around. Can you please help me with Transunion?

Wes June 21, 2017

Hi Roger, I’m sorry to hear about your troubles with TransUnion. It’s tough for me to say what is happening without seeing all of the filed paperwork, etc. Have you tried calling them at 888-909-8872, or removing it through the online system?

Roger Parker June 21, 2017

I have tried talking to them on the phone. They always tell me to send the same documents over and over. I have sent them even certified, and they ask me to resend, or tell me they didn’t get them. I have tried to remove it online, I can login, but they have blocked my ability from that point. Federal law says they are to remove it at my request, and they harass me by refusing to remove it, and blocking me from online removal. I get it removed from Experian and Equifax, then Transunion sends them another “Fraud Alert” and I have to resend the same documents to them as well. Is there a CEO, or President or even a Corporate office to speak to? Every call I have made has been routed to India. Every single call. Any ideas? Thanks Wes

Wes June 22, 2017

Ugh, what a pain. Unfortunately the easiest route is probably going to be continuing to call them and explaining your situation. I’d try 800-916-8800, then press 4 to speak with someone…again, but before getting transferred to the fraud alert department. Otherwise the next step would be to reach out on social media (TransUnion has responded to me on Twitter), then contacting an attorney to assist. TransUnion is usually the easiest to work with…

Roger Parker June 22, 2017

Thanks Wes, I have contacted the Federal Trade Commission and our State Attorney’s Attorneys and advised them. I was told Transunion is being vindictive and the government advised me they are clearly in violation of Federal FCRA Laws and laws on reporting and removing Fraud Alerts at the request of the consumer. The FTC has been forwarded all documents and mailings I have sent asking them to remove the Fraud Alerts. Other Credit Agencies have notated what Transunion is doing to me, and made statements to my accounts with them. Transunion cost me several credit offers by continuing to put on Fraud Alerts. I have been injured by their actions, and incompetence. Now they will answer to the Federal Government, and my States Attorney, and my personal attorney. Transunion has zero excuse for what they have done to me. So now they can deal with the oversight regulatory Federal Agency for their actions. Thanks again Wes, I will let you know how this all goes.

Wes June 22, 2017

Please do and best of luck. Thanks, Wes.

Jackie July 5, 2017

is there a contact number i can call equifax to remove a fraud alert?

Wes July 5, 2017

Unfortunately not. They require you to either let it expire or send in a written request.

Maria September 11, 2017

TransUnion says you can remove a fraud alert online but offers no way to actually do this. Link provided in this article shows how to add a fraud alert, but no links on that page (nor did a search yield any results) to allow for a removal. I wish they had clear instructions on what to submit via mail on their site, but they don’t have that either.

Wes September 11, 2017

Hi Maria,
Unfortunately they don’t make it easy to figure out. You need to log in the add a fraud alert tool. If you don’t have an online account yet, you’ll need to create one. Then remove it through there.

Amy Daly October 9, 2017

I didn’t put a freeze or fraud alert to block my credit report so how do I call to find out why and how to remove it

Wes October 10, 2017

Hi Amy, here’s a list of phone numbers. I’d call and tell them your situation.