Fair Credit Reporting: 9.2.2.3.3 Effects of the extended fraud alert
By submitting the identity theft report and providing satisfactory proof of identification to a nationwide CRA, the consumer may add to their credit file an extended fraud alert that can last for seven years.75 As with the initial fraud alert, the CRA must refer the alert to the other nationwide CRAs, all of whom must provide a “clear and conspicuous view” of the alert each time they generate the consumer’s credit score.76