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HELP PROTECT YOUR CREDIT INFORMATION


WHAT WOULD YOU LIKE TO DO?

Fraud alert messages notify potential credit grantors to verify your
identification before extending credit in your name in case someone is using
your information without your consent. Learn more.

Add a fraud alert

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Learn how to respond to identity theft

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WHAT KIND OF FRAUD ALERT WOULD YOU LIKE TO REQUEST?

Temporary fraud alert
(1 year)

Active duty fraud alert
(1 year)

Extended fraud victim alert
(7 years)

Did you know?

If you are a victim of identity theft and submit a copy of a valid identity
theft report that you have filed with a Federal, State or local law enforcement
agency, then you may request an Extended Fraud Victim Alert, which lasts for 7
years.


OPTION 1: FREE ANNUAL CREDIT REPORT

Federal law allows you to get a free copy of your credit report every 12 months
from each credit reporting company.

Online: www.AnnualCreditReport.com

Phone: 877 FACTACT

Mail: Visit www.AnnualCreditReport.com for instructions

Did you know?

The Fair Credit Reporting Act (FCRA) entitles you to a free Credit Report under
certain circumstances:

 * Denied credit or experienced an adverse action
 * Victim of identity theft


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FRAUD ALERT EDUCATION

DO FRAUD ALERTS EXPIRE?

WHAT IS AN EXTENDED FRAUD ALERT?

HOW TO ADD A TELEPHONE NUMBER TO A FRAUD ALERT

HOW CAN I PROTECT MYSELF?

If you believe you are a victim of fraud, you may find the following suggestions
helpful:

Protect Yourself – First, make sure a security alert or victim statement is on
file with all national credit bureaus. Our full service identity theft
protection includes access to your Experian credit report, 3 bureau credit
monitoring with email alerts, and immediate access to our fraud resolution
professionals.

Start Today Learn More

Inform the Creditor – Contact each creditor with the fraud account and inform
them that the account is fraudulent.

Document all Contacts – Make notes of everyone you spoke with; ask for names,
department names, phone extensions; record the date you spoke to them.

Understand the Process – Each creditor may have a different process for handling
a fraud claim. Make sure you understand exactly what is expected from you, and
then ask what you can expect from the creditor. At the conclusion of an
investigation, ask the creditor for a document that states you are not
responsible for the debt.

Follow Up – Make sure everything a creditor/credit bureau has requested is
received. It is always a good idea to place a follow up call or send a letter
for confirmation.

Review Reports Regularly – Obtain another report several months AFTER you
believe everything is cleared up. If a new fraudulent account is discovered, you
know how to handle it. If your credit report is back to normal, you can feel
confident that all issues were resolved as you expected. It would be a good idea
to check your credit report again in six months and a year later.

Don't Throw Away Files – Keep all notes and correspondence in an accessible file
in case they are needed in the future.

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HOW DOES EXPERIAN PROTECT ME?

We strive to protect your credit information with the following practices:

 * We drop several digits from each of your credit account numbers on your
   personal credit report.
 * We do not display on your personal credit report the Social Security number
   that you provided to us when you requested your report.
 * We build sophisticated fraud products to assure the integrity of our credit
   database and to protect consumers and creditors.
 * We continually monitor access to our database with sophisticated software, so
   that if unusual activity occurs, our security and fraud control department
   investigates immediately.
 * We work with law enforcement authorities to catch fraud criminals.
 * We require a business to designate a permissible purpose under federal law
   before they can access consumer credit information. We follow extensive
   procedures to assure that we accept only reputable businesses as our
   customers.
 * We build extensive barriers to prevent computer hackers from accessing
   consumer credit data.

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SUMMARY OF RIGHTS OF IDENTITY THEFT VICTIMS

Para información en español, visite www.consumerfinance.gov/learnmore o escribe
a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC
20552.

Remedying the Effects of Identity Theft

You are receiving this information because you have notified a consumer
reporting agency that you believe that you are a victim of identity theft.
Identity theft occurs when someone uses your name, Social Security number, date
of birth, or other identifying information, without authority, to commit fraud.
For example, someone may have committed identity theft by using your personal
information to open a credit card account or get a loan in your name. For more
information, www.consumerfinance.gov/learnmore or write to: Consumer Financial
Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or
believe that you are, the victim of identity theft. Here is a brief summary of
the rights designed to help you recover from identity theft.

 1. You have the right to ask that nationwide consumer reporting agencies place
    “fraud alerts” in your file to let potential creditors and others know that
    you may be a victim of identity theft. A fraud alert can make it more
    difficult for someone to get credit in your name because it tells creditors
    to follow certain procedures to protect you. It also may delay your ability
    to obtain credit. You may place a fraud alert in your file by calling just
    one of the three nationwide consumer reporting agencies. As soon as that
    agency processes your fraud alert, it will notify the other two, which then
    also must place fraud alerts in your file.
    
    
    
    * Equifax: 1-800-525-6285; www.equifax.com
    * Experian: 1-888-397-3742; www.experian.com
    * TransUnion: 1-800-680-7289; www.transunion.com
    
    
    
    An initial fraud alert stays in your file for at least one year. An extended
    alert stays in your file for seven years. To place either of these alerts, a
    consumer reporting agency will require you to provide appropriate proof of
    your identity, which may include your Social Security number. If you ask for
    an extended alert, you will have to provide an identity theft report. An
    identity theft report includes a copy of a report you have filed with a
    federal, state, or local law enforcement agency, and additional information
    a consumer reporting agency may require you to submit. For more detailed
    information about the identity theft report, visit
    www.consumerfinance.gov/learnmore.

 2. You have the right to free copies of the information in your file (your
    “file disclosure”). An initial fraud alert entitles you to a copy of all the
    information in your file at each of the three nationwide agencies, and an
    extended alert entitles you to two free file disclosures in a 12-month
    period following the placing of the alert. These additional disclosures may
    help you detect signs of fraud, for example, whether fraudulent accounts
    have been opened in your name or whether someone has reported a change in
    your address. Once a year, you also have the right to a free copy of the
    information in your file at any consumer reporting agency, if you believe it
    has inaccurate information due to fraud, such as identity theft. You also
    have the ability to obtain additional free file disclosures under other
    provisions of the FCRA. See www.consumerfinance.gov/learnmore.
 3. You have the right to obtain documents relating to fraudulent transactions
    made or accounts opened using your personal information. A creditor or other
    business must give you copies of applications and other business records
    relating to transactions and accounts that resulted from the theft of your
    identity, if you ask for them in writing. A business may ask you for proof
    of your identity, a police report, and an affidavit before giving you the
    documents. It may also specify an address for you to send your request.
    Under certain circumstances a business can refuse to provide you with these
    documents. See www.consumerfinance.gov/learnmore.
 4. You have the right to obtain information from a debt collector. If you ask,
    a debt collector must provide you with certain information about the debt
    you believe was incurred in your name by an identity thief – like the name
    of the creditor and the amount of the debt.
 5. If you believe information in your file results from identity theft, you
    have the right to ask that a consumer reporting agency block that
    information from your file. An identity thief may run up bills in your name
    and not pay them. Information about the unpaid bills may appear on your
    consumer report. Should you decide to ask a consumer reporting agency to
    block the reporting of this information, you must identify the information
    to block, and provide the consumer reporting agency with proof of your
    identity and a copy of your identity theft report. The consumer reporting
    agency can refuse or cancel your request for a block if, for example, you
    don’t provide the necessary documentation, or where the block results from
    an error or a material misrepresentation of fact made by you. If the agency
    declines or rescinds the block, it must notify you. Once a debt resulting
    from identity theft has been blocked, a person or business with notice of
    the block may not sell, transfer, or place the debt for collection.
 6. You also may prevent businesses from reporting information about you to
    consumer reporting agencies if you believe the information is a result of
    identity theft. To do so, you must send your request to the address
    specified by the business that reports the information to the consumer
    reporting agency. The business will expect you to identify what information
    you do not want reported and to provide an identity theft report.

 7. The following FCRA right applies with respect to nationwide consumer
    reporting agencies:
    
    CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE
    
    You have a right to place a “security freeze” on your credit report, which
    will prohibit a consumer reporting agency from releasing information in your
    credit report without your express authorization. The security freeze is
    designed to prevent credit, loans, and services from being approved in your
    name without your consent. However, you should be aware that using a
    security freeze to take control over who gets access to the personal and
    financial information in your credit report may delay, interfere with, or
    prohibit the timely approval of any subsequent request or application you
    make regarding a new loan, credit, mortgage, or any other account involving
    the extension of credit.
    
    As an alternative to a security freeze, you have the right to place an
    initial or extended fraud alert on your credit file at no cost. An initial
    fraud alert is a 1-year alert that 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.
    
    A security freeze does not apply to a person or entity, or its affiliates,
    or collection agencies acting on behalf of the person or entity, with which
    you have an existing account that requests information in your credit report
    for the purposes of reviewing or collecting the account. Reviewing the
    account includes activities related to account maintenance, monitoring,
    credit line increases, and account upgrades and enhancements.

To learn more about identity theft and how to deal with its consequences, visit
www.consumerfinance.gov/learnmore, or write to the Consumer Financial Protection
Bureau. You may have additional rights under state law. For more information,
contact your local consumer protection agency or your state Attorney General.

In addition to the new rights and procedures to help consumers deal with the
effects of identity theft, the FCRA has many other important consumer
protections. They are described in more detail at
www.consumerfinance.gov/learnmore.

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