How long does a fraud alert stay on my credit report?

A. An initial alert stays on your credit report for at least 90 days. You can have an extended alert placed on your credit report for seven years if you have been a victim of identity theft (that is, if you can prove that someone has used your personal information without your permission) and you provide the credit bureau with a police report.

When you place an extended alert on your credit report, the consumer reporting companies will remove your name from marketing lists for pre-screened credit offers for five years – unless you ask them to put your name back on those lists before then. More.

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