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When you choose to share your Identity Report, Equifax will send a notification along with a unique Report ID that the recipient must use in order to access your report from Equifax. Consumer data is traded online every day. The initial fraud alert will stay on your credit file for 90 days. This gives you the ability to compare your credit scores across all three credit equifax credit monitoring reporting agencies, which is a very important part of understanding your credit.

I am an airline pilot and have to follow FAA guidelines for my medical release and return to work. There are numerous credit scores and models available in the marketplace and lenders equifax credit monitoring are likely to use a different score when evaluating your creditworthiness. Having a poor credit history does not automatically disqualify an applicant.

When you enroll in the Automatic Fraud Alert* feature, we’ll place your free initial 90 day fraud alert on your Equifax credit file and, once successfully placed, we’ll refer your fraud alert request to Experian and TransUnion. In general, negative information that is more than 7 years old from date of last activity (10 years for bankruptcies) must be removed from your file.

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