Does anyone know around fraud alerts? I ordered a credit report about 1 week ago and it said

I ordered a credit report about 1 week ago and it said that I own a good credit evaluation of 712. It recommended that I apply for a credit card. Well when I applied for a credit card it was decline. Was it declined because I may enjoy a fraud alert on my ssn? The reason why I ask is because I ruminate I ran across something on annualcreditreport.com when I be trying to order my credit report. When I tried to establish the 2nd report from equifax it said that I could not view my report online because here is a fraud alert on my account. I be finally able to decree the report through experian by paying $35.00 for it and paying with my visa debit card.

Answers: I work as a Fraud Investigator for reputable company. Putting a fraud alert on your social indemnity # is to protect yourself in baggage of identity theft. There are 2 kind of fraud alerts: one for 90 days and one for seven years. You weren't denied credit because of the fraud alert. You just hold to provide more information to prove that you are legitimately applying for credit. If you contact your credit bureau (whoever sent you the letter) and inform them you applied for credit then they will ask you to fax over some information so they can inform the company i.e. inquiring about you that it is okay for them to bestow you credit. It is a pain to carry instant approval once you put that fraud alert on your social security # but it distinctly protects you.

a fraud alert is only well-mannered for 90 days. and yes, you were decline because "you " place a fraud alert on your report. . if you had wait the full 90 days you could gotten it for free.

also in the in close proximity future dont be alarmed, you can attain a free credit report everytime someone make an inquiry on your report.