An extended fraud alert stays on your credit report for seven years.

You can have an extended alert placed on your credit report if you’ve been a victim of identity theft and you provide the consumer reporting company with an Identity Theft Report (http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/defend.html#Whatisanidentitytheftreport). An automated Identity Theft Report, such as the printed ID Theft Complaint available from the Federal Trade Commission website, should be sufficient to obtain an extended fraud alert. With an extended fraud alert, potential creditors must actually contact you, or meet with you in person, before they issue you credit. When you place an extended alert on your credit report, you’re entitled to two free credit reports within twelve months from each of the three nationwide consumer reporting companies. In addition, 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 the list before then.

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