A free flag on your credit file telling lenders to take extra steps to verify your identity before granting credit.
A fraud alert asks creditors to verify it's really you before opening new accounts, adding friction for anyone trying to misuse leaked data. It's free, lasts a year (renewable), and unlike a freeze doesn't block your own access to credit.
It's a sensible step if you've shared identity details with a suspected scam employer but want lighter-touch protection than a full credit freeze.
Frequently asked questions
What's the difference between a fraud alert and a credit freeze?
A fraud alert asks lenders to verify your identity before issuing credit but leaves your file accessible; a credit freeze fully locks it so no new credit can be opened until you lift it. A freeze is stronger; an alert is lighter-touch.