Information about Identity Theft Protection
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 by contacting one or more of the three national credit reporting agencies listed
below.
When you receive your credit reports, look them over carefully. Look for accounts you did not open.
Look for inquiries from creditors that you did not initiate. And look for personal information, such as
home address, that is not accurate. If you see anything you do not understand, call the credit agency at
the telephone number on the report. If you do find suspicious activity on your credit reports, call your
local police or sheriff’s office and file a police report of identity theft. Get a copy of the police report.
You may need to give copies of the police report to creditors to clear up your records.
You should remain vigilant with respect to reviewing your account statements and credit reports, and you
should promptly report any suspicious activity or suspected identity theft to us and to the proper law
enforcement authorities, including local law enforcement, your state’s attorney general, and/or the Federal
Trade Commission (“FTC”).
You may contact the FTC or your state’s regulatory authority to obtain additional information about
avoiding and protection against identity theft.
Federal Trade Commission, Consumer Response Center
600 Pennsylvania Avenue, NW, Washington, DC 20580, 1-877-IDTHEFT (438-4338),
www.ftc.gov/idtheft
For residents of Maryland: You may also obtain information about preventing and avoiding
identity theft from the Maryland Office of the Attorney General: Maryland Office of the
Attorney General, Consumer Protection Division
200 St. Paul Place, Baltimore, MD 21202, 1-888-743-0023, www.oag.state.md.us
For residents of North Carolina: You may also obtain information about preventing and avoiding
identity theft from North Carolina Attorney General’s Office: North Carolina Attorney General’s
Office, Consumer Protection Division
9001 Mail Service Center, Raleigh, NC 27699-9001, 1-877-5-NO-SCAM, www.ncdoj.gov
Fraud Alerts: There are also two types of fraud alerts that you can place on your credit report to put
your creditors on notice that you may be a victim of fraud: an initial alert and an extended alert. You
may ask that an initial fraud alert be placed on your credit report if you suspect you have been, or are
about to be, a victim of identity theft. An initial fraud alert stays on your credit report for at least 90 days.
You may have an extended alert placed on your credit report if you have already been a victim of identity theft with the appropriate documentary proof. An extended fraud alert stays on your credit report for
seven years. You can place a fraud alert on your credit report by contacting any of the three national
credit reporting agencies at the addresses or toll-free numbers listed below:
Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
877-478-7625
www.equifax.com
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Experian
P.O. Box 9532
Allen, TX 75013
888-397-3742
www.experian.com
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TransUnion
Fraud Victim Assistance
Division
P.O. Box 6790
Fullerton, CA 92834-6790
800-680-7289
www.transunion.com
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Credit Freezes: You may have the right to put a credit freeze, also known as a security freeze, on your
credit file, so that no new credit can be opened in your name without the use of a PIN number 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 get access to your credit report unless you temporarily lift the
freeze. Therefore, using a credit freeze may delay your ability to obtain credit. In addition, you may
incur fees to place, lift and/or remove a credit freeze. Credit freeze laws vary from state to state. The cost
of placing, temporarily lifting, and removing a credit freeze also varies by state, generally $5 to $20 per
action at each credit reporting company. Unlike a fraud alert, you must separately place a credit freeze
on your credit file at each credit reporting company. Since the instructions for how to establish a credit
freeze differ from state to state, please contact the three major credit reporting companies as specified
below to find out more information.
You can obtain more information about fraud alerts and credit freezes by contacting the FTC or one of the
national credit reporting agencies listed above.