Wife has a 840 credit bureau score. Has no debt and has a few charge cards because they give discounts if an item is charged. No balance on any of them. Placed a Fraud Alert on her credit so a creditor would have to verify identity before opening up a new account. She was buying an item where she received 15% off if she opened a charge card and the item was only $90. She applied and was turned down for the first time in her life. They couldn’t tell her the reason. Since the Fraud Alert was placed 3 weeks ago we think this was the reason. The lady at the desk would only say maybe your credit is frozen.
Would some turn you down because of a fraud alert on file ???