MONITOR YOUR ACCOUNTS
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 https://www.annualcreditreport.com, by calling toll-free 1-877-322-8228, or by mailing an Annual Credit Report Request Form (available at https://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 by contacting one or more of the three national credit reporting agencies listed below.
Equifax®
P.O. Box 740241
Atlanta, GA 30374-0241
1-800-685-1111
https://www.equifax.com
Experian
P.O. Box 9701
Allen, TX 75013-9701
1-888-397-3742
https://www.experian.com
TransUnion®
P.O. Box 1000
Chester, PA 19016-1000
1-800-888-4213
https://www.transunion.com
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.
CREDIT FREEZE
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 listed below.
Equifax
P.O. Box 105788
Atlanta, GA 30348-5788
1-800-685-1111
https://www.equifax.com/personal/credit-report-services
Experian
P.O. Box 9554
Allen, TX 75013-9554
1-888-397-3742
https://www.experian.com/freeze/center.html
TransUnion
P.O. Box 2000
Chester, PA 19016-2000
1-888-909-8872
https://www.transunion.com/credit-freeze
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;
If you request a credit freeze online or by phone, then the credit reporting agencies have one (1) business day after receiving your request to place a credit freeze on your credit file report. If you request a lift of the credit freeze online or by phone, then the credit reporting agency must lift the freeze within one (1) hour. If you request a credit freeze or lift of a credit freeze by mail, then the credit agency must place or lift the credit freeze no later than three (3) business days after getting your request.
FRAUD ALERTS
You also have the right to place an initial or extended fraud alert on your file at no cost. An initial fraud alert lasts1-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 7 years. Should you wish to place a fraud alert, please contact any one of the agencies listed below. The agency you contact will then contact the other two credit agencies.
Equifax
P.O. Box 105788
Atlanta, GA 30348-5788
1-888-766-0008
https://www.equifax.com/personal/credit-report-services
Experian
P.O. Box 9554
Allen, TX 75013-9554
1-888-397-3742
https://www.experian.com/fraud/center.html
TransUnion
P.O. Box 2000
Chester, PA 19016-2000
1-800-680-7289
https://www.transunion.com/fraud-victim-resource/place-fraud-alert
MONITOR YOUR PERSONAL HEALTH INFORMATION
If applicable to your situation, we recommend that you regularly review the explanation of benefits statement that you receive from your insurer. If you see any service that you believe you did not receive, please contact your insurer at the number on the statement. If you do not receive the regular explanation of benefits statements, contact your provider and request them to send such statements following the provision of services in your name or number.
You may want to order copies of your credit reports and check for any medical bills that you do not recognize. If you find anything suspicious, call the credit reporting agency at the phone number on the report. Keep a copy of this notice for your records in case of future problems with your medical records. You may also want to request a copy of your medical records from your provider, to serve as a baseline. If you are a California resident, we suggest that you visit the website of the California Office of Privacy Protection at https://www.privacy.ca.gov to find more information about your medical privacy.
ADDITIONAL INFORMATION
You can further educate yourself regarding identity theft and the steps you can take to avoid it and protect yourself, by contacting your state Attorney General or the Federal Trade Commission. Instances of known or suspected identity theft should be reported to law enforcement, your Attorney General, and the FTC.
The Federal Trade Commission
600 Pennsylvania Avenue, NW
Washington, DC 20580
https://www.ftc.gov/idtheft
1-877-ID-THEFT (1-877-438-4338)
TTY: 1-866-653-4261
Office of the Attorney General of Kentucky
700 Capitol Avenue, Suite 118
Frankfort, KY 40601
https://www.ag.ky.gov/
502-696-5300
Maryland Attorney General
200 St. Paul Place
Baltimore, MD 21202
https://www.oag.state.md.us
1-888-743-0023
Office of the New York Attorney General
The Capitol
Albany, NY 12224‑0341
https://ag.ny.gov/
1‑800‑771‑7755
North Carolina Attorney General
9001 Mail Service Center
Raleigh, NC 27699
https://www.ncdoj.gov
1-877-566-7226