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How to Put A Fraud Alert on Credit – 2024 Guide

How to Put A Fraud Alert on Credit – 2024 Guide

There are two main reasons that you’re in need of placing a fraud alert on your credit report:

  • You wish lenders and creditors could take extra steps to verify that it’s you requesting credit and that they’re encouraged or required to contact you if someone is attempting to open new accounts or modify existing accounts in your name.
  • You hope that lenders and creditors could get notified that you’ve fallen a victim to frauds and an identity theft.

Now here comes the question – how to put a fraud alert?

Actually, it’s pretty straightforward. All you have to do is go to one of the three credit bureaus’ fraud alert centers and then follow the on-screen instructions to fill out and submit the form. Or you can call them directly for assistance. Note that you don’t have to contact all three nationwide credit bureaus. When you place a fraud alert on one of them, they’ll transmit your request to the other two.

Types of fraud alerts and how much does each of them cost

There are three types of fraud alerts:

  • Initial Fraud Alert (lasts for 1 year)
  • Extended Fraud Alert (lasts for 7 years; and removes you from credit card and insurance offers for 5 years): Additional documents, such as a report filed with the Federal Trade Commission (FTC) or a police report will be needed.
  • Active Duty Military Alert (specifically for eligible military personnel, lasts for 1 year; and removes you from credit card and insurance offers for 2 years)

Placing a fraud alert won’t cost you a dime. And you can let it expire or remove it early if it’s no longer necessary.

Tips: How to get alerts of fraud and limit damages to your personal finances

Placing a fraud alert on your credit report is an effective way to protect you from identity theft or prevent further misuse of your personal information if it was stolen. However, your credit report is just one of many targets for scammers and fraudsters.

Living in this digital world where our own data could easily fall into the wrong hands, a comprehensive identity theft protection service can help you find peace of mind by providing you with the following features:

  • 3 Bureau Credit Monitoring in Real-Time
    Get alerts when there are suspicious activities.
  • Credit Lock
    Instantly lock your credit file to stop scammers or fraudsters from opening accounts in your name.
  • Data Breach Monitoring
    Help you discover whether your personal information has been exposed in a data breach.
  • Dark Web & Internet Monitoring
    Patrol the dark web and search for your personal information. If there is anything suspicious, they’ll make you notified.
  • Identity Protection
    When your registered SSN, online accounts, and personal info have been compromised online, you’ll get alerts.

Additional features such as antivirus that secures your devices,VPN that helps you shop, bank, and browse online securely and privately, password manager that helps store and access your online passwords securely and conveniently may be included in certain identity theft protection services. And it’s worth mentioning that most of them offer Identity Theft Insurance.

Comprehensive identity theft protection providers

To get expert protection on your identity and stay safe online, you can give Aura or IdentityIQ a try. For users who want to test which will most likely suit your needs, you can make the most of Aura’s 14-day free trial. While IdentityIQ doesn’t have a free trial offer, its subscription pricing is more budget-friendly.

Rated #1 Identity Protection Service on, Aura is an all-in-one protection that does more to keep you and your family safe.

Start Free Trial →

With access to a full suite of IdentityIQ monitoring products, you can stay informed by being able to dig deep into changes that are made to your credit report and non-credit related information.

Get Protected Now

Final thoughts

While placing a fraud alert is essential to prevent further loss when you become a victim of fraud, it’s not a one-stop solution. To secure your own data and prevent it from being stolen, you should take some precautionary measures. In addition to staying vigilant before entering your credentials, an identity theft protection service may keep you informed and help you find peace of mind.

By Sammi Liu

Greetings! I'm Sammi, and my journey as a content writer began right after graduation. While my initial academic focus was in Public Finance, I later pursued a major in English Literature. This diverse educational background has equipped me with a unique skill set that combines analytical thinking with a passion for creative expression.

My career path has led me to become a proficient content writer with a keen eye for research. Intensive training in Microsoft Office, coupled with a natural curiosity, has allowed me to incorporate design principles and advanced internet search techniques into my work seamlessly.

What truly sets me apart is my knack for research. I've dedicated time to mastering advanced internet search techniques, inspired by countless articles and video tutorials on the subject. This has transformed me into a seasoned researcher, skilled at uncovering reliable and valuable information.

In addition to my professional pursuits, I'm a tech enthusiast who stays current with the latest trends through YouTube. Listening to podcasts of various genres has been a hobby of mine, especially in every morning. I balance my professional life with an active one, enjoying badminton, table tennis, tennis, and yoga. On weekends, you'll find me lost in the pages of books in the local library or soaking in the beauty of nature on bike rides. I'm also passionate about culinary arts, frequently experimenting with recipes and crafting delightful beverages like smoothies.

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