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A. Notifications and Warnings From Consumer Credit Reporting Agencies  


Latest version.
  • Red Flags:

    1) Report of fraud accompanying a consumer credit report;

    2) Notice or report from a consumer credit agency of a credit freeze on a customer or applicant;

    3) Notice or report from a consumer credit agency of an active duty alert for an applicant; and

    4) Indication from a consumer credit report of activity that is inconsistent with a customer's usual pattern or activity, including but not limited to:

    Recent and significant increase in volume of inquiries

    Unusual number of recent credit applications

    A material change in use of credit

    Accounts closed for cause or abuse