How do I remove a fraud alert from my credit report?

I added one on there back in Oct 2006, b/c someone had used my info to obtain credit. I was told that it would only remain for 90 days, but it has been longer than 90 days and I believe it is still on there. HELP!!!

How do I remove a fraud alert from my credit report?

Write a letter to all 3 credit reporting agencies requesting that the alert be removed, Make sure to have your name, address, social security number and a phone number that you can be reached at on the letter, you may want to include a photo copy of your drivers license as proof of who you are.

How do I remove a fraud alert from my credit report?

Contact the credit bureaus and let them know you want it removed.

The phone numbers and addresses can be found at http://www.how-is-your-credit.info

See Whom to Contact?

How do I remove a fraud alert from my credit report?

I also have one of these automatically requested on my behalf without my concern by my bank even though I was never a victim of fraud. And believe me, I try to remove it and it%26#039;s impossible. According to TransUnion, Experian and Equifax, the alerts will stay on your credit bureaus for 7-years. Is a pain in the a s s.

Every time you will try to request credit, lenders will not be able to make an instant approval decision even if you have excellent credit, but will hold pending the loan/credit card application until they can talk to you, which usually can take from 48 to 72-hours, in the meantime your FICO scores can drop and the lender have not obligation to honor the initial offer/application.