Unfortunately, as long as there is an alert or fraud warning on your Equifax file, you will not be able to check your credit score and report with Borrowell. The only way we can verify your identity is through the security questions generated by Equifax. If there is an alert on your file, the questions will not be presented to you or you won't be able to verify your identity even if you answer the questions correctly. We are unable to verify your identity over the phone.