Additional Resources

We recommend that you regularly review statements from your accounts and periodically obtain your credit report from one or more of the national credit reporting companies. You may obtain a free copy of your credit report online at www.annualcreditreport.com, by calling toll-free 1-877-322-8228, or by mailing an Annual Credit Report Request Form (available at www.annualcreditreport.com) to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA, 30348-5281. You may also purchase a copy of your credit report for a fee by contacting one or more of the three national credit reporting agencies (see the “Important Contacts” section for contact details).

You should remain vigilant for incidents of fraud or identity theft by reviewing account statements and monitoring free credit reports. When you receive your credit reports, review them carefully. Look for accounts or creditor inquiries that you did not initiate or do not recognize. Look for information, such as home address and Social Security number, that is not accurate. If you see anything you do not understand, call the credit reporting agency at the telephone number on the report. You should also call your local police department and file a report of identity theft. Finally, you should make sure to keep a copy of the police report in case you need to provide it to creditors or credit reporting agencies when accessing or disputing inaccurate information.

You have rights under the federal Fair Credit Reporting Act (FCRA), which governs the collection and use of information about you by consumer reporting agencies. For more information about your rights under the FCRA, please visit www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act.

You have the right to put a security freeze, also known as a credit freeze, on your credit file, so that no new credit can be opened in your name without the use of a Personal Identification Number (PIN) that is issued to you when you initiate a freeze. A credit freeze is designed to prevent potential credit grantors from accessing your credit report without your consent. If you place a credit freeze, potential creditors and other third parties will not be able to access your credit report unless you temporarily lift the freeze. Therefore, using a credit freeze may delay your ability to obtain credit. Pursuant to federal law, you cannot be charged to place or lift a credit freeze on your credit report. Should you wish to place a credit freeze, please contact all three major consumer reporting agencies (see the “Important Contacts” section for contact details).

You must separately place a credit freeze on your credit file at each credit reporting agency. The following information should be included when requesting a credit freeze:

Full name, with middle initial and any suffixes;
Social Security number;
Date of birth (month, day, and year);
Current address and previous addresses for the past five (5) years;
Proof of current address, such as a current utility bill or telephone bill;
Other personal information as required by the applicable credit reporting agency.

You also have the right to place an initial or extended fraud alert on your file at no cost. An initial fraud alert lasts one year and is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting seven years. Should you wish to place a fraud alert, please contact any one of the credit reporting agencies listed below. The agency you contact will then contact the other two credit agencies.

For more information about fraud alerts, security freezes, and steps for avoiding identity theft, or if you believe you are the victim of identity theft or have reason to believe your personal information has been misused, you can contact the Federal Trade Commission (FTC) at: FTC Consumer Response Center, 600 Pennsylvania Avenue, NW, Washington D.C. 20580, by phone at 1-877-438-4338, or by visiting www.consumer.ftc.gov. You should also report incidents of suspected identity theft to local law enforcement and the Attorney General's office in your home state and file a police report.

Additional Resources

Monitor Your Accounts

Credit Freeze

Fraud Alerts

Important Contacts

Equifax

Access your Credit Report

Implement a Security / Credit Freeze

Implement a Fraud Alert

Experian

Access your Credit Report

Implement a Security / Credit Freeze

Implement a Fraud Alert

TransUnion

Access your Credit Report

Implement a Security / Credit Freeze

Implement a Fraud Alert