How do you allow a credit card to look at credit history if there is a fraud alert on your account?

I jus applied for a credit card and still have a fraud alert on my credit. I want to allow this credit card to look at my credit. The credit card told me to contact someone to tell them to allow Chase to have access to my account. I don't know who to contact, i've tried the big 3 bureaus and am not getting anywhere with them in terms of recordings, i would like to talk to a representative.|||Someone gave you some bad information. The credit card company that you applied with can look at your credit history with each of the credit bureaus. They do it all the time. If you ever get a copy of your credit report, you'll find that companies looked at your report that you've never even heard of.


The minute you apply for a credit card, you automatically authorize them to check you out anyway. So no need to worry about it.


Oh.. and yeah, trying to get a live person on the phone at the credit bureau is about as likely as getting struck by lightning on the loo.|||--10 MILLION people per year are victims of Identity Theft.





--Todays target for criminals; children and teens identities (SS#). Why? Because parents never think to check/protect their childrens reports.





1) run a free credit report from each agency (your allowed one free one per year, per agency). you need to know, so you need to get them.


2) Check your childrens also.


3) if ID Theft has occurred, you need to make a police report first. the rest of what you need to do, is listed in the links below (with GREAT info too).


4) some states allow you to 'lock' or 'freeze' credit reports; to protect against theft. if your state allows it, lock 'em down. that way, no one can open an account on them.


5) once you discover their credit reports have activity on them, then contact each credit reporting agency (the 3 major ones) and report the ID Theft... and request they lock the reports (usually they automatically do it, but ask for it anyway).





ID THEFT HELP/ INFO


http://www.idtheftcenter.org/index.shtml


http://www.ftc.gov/bcp/edu/microsites/id鈥?/a>


http://www.ftc.gov/bcp/conline/edcams/cr鈥?/a>


http://www.fraudguides.com/consumer-iden鈥?/a>


http://www.ripoffreport.com/


http://www.fightidentitytheft.com/


http://www.ncpc.org/media/current.php


https://rn.ftc.gov/pls/dod/widtpubl$.sta鈥?/a>


http://www.myidfix.com/





FAIR DEBT COLLECTION


http://www.ftc.gov/bcp/conline/pubs/cred鈥?/a>





STATUTE OF LIMITATIONS


http://www.fair-debt-collection.com/stat鈥?/a>


EACH STATES SoL


http://www.fair-debt-collection.com/stat鈥?/a>


http://www.fair-credit-reporting.com/cre鈥?/a>





CAPITAL ONE


http://articles.moneycentral.msn.com/Ban鈥?/a>


Capital One refuses to report its customers' credit limits to the three major credit bureaus. Instead, the bureaus use the highest balance a customer has charged as a proxy for the limit.





As a result, the customers' all-important "debt utilization ratios" -- the portion of their available credit these borrowers are actually using -- can appear artificially high. That can depress borrowers' credit scores, the three-digit numbers lenders use to help determine creditworthiness.





Lower credit scores can mean higher interest rates on mortgages, car loans and other borrowing, as well as potentially higher insurance premiums, since many insurers also use credit-scoring systems to help gauge risk.








CREDIT REPORT INFO / REPAIRS / DISPUTES


http://www.ftc.gov/bcp/edu/pubs/consumer鈥?/a>


http://www.kiplinger.com/columns/startin鈥?/a>


http://www.bankrate.com/brm/news/cc/2004鈥?/a>


https://www.annualcreditreport.com/cra/h鈥?/a>


http://www.bankrate.com/brm/news/forms/c鈥?/a>


http://www.bankrate.com/brm/news/bankrup鈥?/a>


http://www.bankrate.com/brm/news/forms/c鈥?/a>


http://bankrate.com/


http://www.occ.treas.gov/customer.htm





TO ORDER A FREE CREDIT REPORT


(all three are free once a year)





Equifax


P.O. Box 740241


Atlanta, GA 30374


www.equifax.com


1-800-685-1111


_______________


Experian


P.O. Box 19719


Irvine, CA 92623


www.experian.com


1-888-397-3742


_______________


TransUnion


P.O. Box 2000


Chester, PA 19022


www.transunion.com


1-800-916-8800








FIND YOUR REPS


http://www.usa.gov/


http://www.usa.gov/Agencies/State_and_Te鈥?/a>


http://www.nga.org


http://www.naag.org/attorneys_general.ph鈥?/a>


http://judiciary.senate.gov/