ALERTS

INITIAFRAUDL ( LAST FOR 1 YEAR) - the alert notifies credit grantors that the cx may be a victim of fraud and requires credit grantors to verify the identity of the cx.

EXTENDED FRAUD - this alert is for cx who have been a victim of identity theft and have provided equifax w/ valid documentation as well as explicitly requested the alert to be added to their file. These alerts require a potential creditor to contact the cx to verify identity

ACTIVE DUTY -these type of alert notifies credit grantors that the cs is a member of military and is currently on active duty military

INITIAL FRAUD ALERT -alert is requested by consumer -cx may add a telephone # to the alert -cx is entitled to 1 free disclosure from EQUIFAX while an alert is active

• renewable

EXTENDED FRAUD -only for cx who have sufficient documentation of identity theft -thru mail documents -7 years renewable but needs documents -cs will receive a 5 years promotional block -cx is eligible to request 2 additional free disclosure from EQUIFAX while an alert is active

ACTIVE DUTY -last for 1 year -consumer will also receive 2 yr promotional block

IFA+EFA =NOT ACCEPTABLE ADA+EFA = ACCEPTABLE ADA + IFA = ACCEPTABLE

EQUIFAX AGENT ACTION STEP 1 PROPERLY AUTHENTICATE STEP 2 VERIFY STEP 3 PROVIDE THE CX W/ ALERT CONFIRMATION #

ALERT LIMITATIONS ON USE OF INFORMATION FOR CREDIT EXTENSION

• ESTABLISH NEW CREDIT -EXTENDED EXISTING CREDIT
• ISSUE AN ADDTIONAL CARD ON EXISTING CREDIT ACCOUNT -GRANT ANY INCREASE IN CREDIT LIMIT ON AN EXISTING CREDIT ACCOUNT

ages 18 under cannot request fraud alert

OTHER RESTRICTIONS FOR PLACING A FRAUD OR ACTIVE DUTY ALERT ON A CREDIT FILE

• Disrepancies with PII
• Adult no credit file
• Request through unsecured digital content

ALERT TYPE IF - MAIL, PHONE , WALK UP, IVR, MYEQUIFAIX AD - " EF - MAIL

PROCESSED WOTHIN 24 HOURS CONFIRMATION WITHIN 5 BUSINESS DAYS

alert request confirmations may also be sent to cx per request through mail in alternative formats such as braille, audio, and large print to accommodate the needs of cx through the Americans with disabilities

FTC-federal trade commission