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A Fraud Alert is a notice placed on your Innovis Credit Report that indicates that you have been or you may become a victim of identity theft. The Alert notifies creditors to use extra precaution, such as contacting you, before approving new or additional credit in your name.

An Initial Fraud Alert remains on your Innovis Credit Report for 12 months. You may request a free copy of your Innovis Credit Report while the Initial Fraud Alert is on your report.

An Extended Fraud Alert remains on your Innovis Credit Report for 7 years. Additionally, Innovis will remove (Opt-Out) your information from marketing lists used for pre-approved credit or insurance offers for 5 years. You may request two free copies of your Innovis Credit Report during the 12 month period following the date Innovis placed the Extended Fraud Alert.

An Active Duty Alert is a notice placed on your Innovis Credit Report that indicates you are on active military duty. The Alert notifies creditors to use extra precaution before approving new or additional credit in your name. An Active Duty Alert remains on your Innovis Credit Report for 12 months. Innovis will remove (Opt-Out) your information for 2 years from marketing lists used for pre-approved credit or insurance offers.

Consider adding an Initial Fraud Alert if you suspect someone is trying fraudulently to open credit accounts in your name or if your personal information has been compromised through loss, theft, or a security breach.

An Extended Fraud Alert can help prevent future misuse of your credit if you have already been a victim of identity theft.

An Active Duty Alert can help protect your personal credit while you are on active military duty.

You can add an Alert online, by phone, or by mail. You will be required to supply personal identifying information such as your name, address, date of birth, and Social Security Number.