Credit Report/Fraud Alert Information
You can obtain your free annual copy of your credit report from one or all of the national consumer reporting companies by visiting www.annualcreditreport.com, calling toll-free 877-322-8229, or completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can print the form from http://www.ftc.gov/credit.
When you receive your credit report(s), review them carefully. Look for any inaccurate information and contact the appropriate credit reporting agency to notify of any incorrect information, including accounts you did not open; requests for your credit report from anyone that you did not apply for credit with; or inaccuracies regarding your personal identifying information, such as your home address or Social Security number.
You can report potential identify theft to all three of the major credit bureaus by calling any one of the toll-free fraud numbers below. You will reach an automated telephone service that allows you to flag your file with a fraud alert at all three bureaus.
Equifax: 800-525-6285. Equifax Information Services, LLC P.O. Box 105069 Atlanta, GA 30348-5069. (www.equifax.com)
Experian: 888-397-3742. P.O. Box 9554 Allen, TX 75013 (www.experian.com)
TransUnion: 800-680-7289. Fraud Victim Assistance Department P.O. Box 6790 Flilerton, CA 92834-6790. (www.transunion.com).
You can request a security freeze -- which will generally prevent creditors from accessing your credit file at the three nationwide credit bureaus without your consent -- by contacting the credit bureaus at the numbers below. Note that the credit bureaus may charge a reasonable fee to place a freeze on your account, and may require that you provide proper identification prior to honoring your request.
Equifax Security Freeze P.O. Box 105788 Atlanta, GA 30348
Experian Security Freeze P.O. Box 9554 Allen, TX 75013
TransUnion Fraud Victim Assistance Department P.O. Box 6790 Fullerton, CA 92834-6790
You can learn more about how to protect yourself against identify theft by contacting the following government agencies:
Federal Trade Commission, Consumer Response Center 600 Pennsylvania Avenue, NW Washington, DC 20580; 1-877-IDTHEFT (438-4338); www.ftc.gov/idtheft/
Maryland Office of the Attorney General, Consumer Protection Division 200 St. Paul Place Baltimore, MD 21202; 888-743-0023; www.oag.state.md.us
North Carolina Attorney General's Office 9001 Mail Service Center Raleigh, NC 27699-9001; 919-716-6400; www.ncdoj.gov
California Office of Privacy Protection (www.privacy.ca.gov)