How long can a one phone call fraud alert request remain on a credit file?

A one phone call fraud alert request can remain on a credit file for 90 days. This type of alert is designed to notify potential creditors to take extra steps to verify the identity of the person seeking credit before approving a loan or credit application. The 90-day duration provides a balanced timeframe for consumers who may suspect fraud or identity theft, allowing them to protect themselves without placing a long-term burden on their ability to obtain credit.

In contrast, other options reflect durations that either do not offer sufficient time for protection or extend too long beyond what is typically needed for a response to initial fraud concerns. The 90-day alert helps consumers manage their credit actively and is in line with regulations that allow for quick and effective consumer protections.