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When you challenge inquiries on your report, bureaus might add a fraud alert. Before applying for loans or funding, make sure to remove these alerts. Such alerts can make funding much more complicated and diminish your approval chances.

Now, let's guide you through the procedures for various credit bureaus to ensure a smooth process:

Collect Your Data

1. Gather Essential Details:
   • Full Name
   • Address
   • Social Security Number
   • Birthdate
2. Retrieve the Latest Credit Report:
   • Needed for potential security questions

Experian Procedure

📞 Phone: 1-855-414-6048 or 877-870-5640

⏱ Estimated Duration: 30 minutes

1. Dial: 1-855-414-6048 or 877-870-5640
   • Input your social, then follow sequence: 2 ➞ 1 ➞ 2 ➞ 3
2. Provide: Social Security Number and ZIP Code
3. Check for ACTIVE FRAUD ALERT: If present, confirm with "Yes", then request "Remove alert". If not:
   • Mention you are calling about a "Dispute"
   • Confirm "New Dispute"
   • Choose option #3 (Identity theft victim confirmation)
4. State: "I observed an active extended fraud alert on my credit report. I'd like it removed, please."
5. Offer Your Information: When requested.
6. Await transfer to the Fraud Department.
7. Reiterate the removal request.
8. Give your full name, including the middle name/initial.