Hello, we recently went for a mortgage after filing chapter 7 Bankruptcy about 7 years ago due to illness and job loss. We had lost a home 12 years prior to that when we filed bankruptcy and the last mortgage company (7 years ago) put a fraud alert on our credit report so now the mortgage co we were trying to get a loan with doesn’t want to give us a loan after telling us everything was fine up until the last moment.
How do I get this type of fraud alert off my credit report?
It should be a relatively easy matter to correct.
And it is the issue with fraud alerts and consumer statements. They are not removed automatically.
Contact the credit reporting agency that is reporting the fraud alert and asked to have it removed. They will have a process to do that. Typically they will ask you to submit request in writing and provide proof of identity.
If you are unsure which are reporting it I would suggest a consolidated credit report.
If you discuss this with your mortgage underwriter and copy them on this, it should meet their needs.
Please post your responses and follow-up messages to me on this in the comments section below.