How is the Automatic Fraud Alert feature different from Credit Report Control?
A Fraud Alert allows lenders to see your credit report but notifies them that they should take steps to verify your identity before extending credit. The Automatic Fraud Alert feature automatically renews your Equifax initial 90 day fraud alert request every 90 days. Credit Report Control allows you to lock and unlock your credit report. Once locked, creditors cannot obtain your credit report (certain exceptions apply — please refer to the Credit Report Control product documentation for more information). Fraud Alerts help prevent identity theft but offer more convenience than Credit Report Control because you do not have to remember to unlock your credit report before applying for a new loan.
