UPDATES

 

 

Below is an excerpt from the letter you should receive from American Bank Systems, and gives you information as it pertains to fraud alerts and/or credit freezes.

 

Monitor Accounts

Under U.S. law you are entitled to one free credit report annually from each of the three major credit reporting bureaus. We recommend periodically obtaining credit reports from each nationwide credit reporting agency and have information relating to fraudulent transactions deleted. To order your free credit report, visit www.annualcreditreport.com or call, toll-free, 1-877-322-8228. You may also contact the three major credit bureaus listed below directly to request a free copy of your credit report.

 

You have the 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. Pursuant to federal law, you cannot be charged to place or lift a security freeze on your credit report. Should you wish to place a security freeze, please contact the major consumer reporting agencies listed below:

 

 

In order to request a security freeze, you will need to provide the following information:

 

  1. Your full name (including middle initial as well as Jr., Sr., II, III, etc.);
  2. Social Security number;
  3. Date of birth;
  1. If you have moved in the past five (5) years, the addresses where you have lived over the last five years;
  2. Proof of current address, such as a current utility bill or telephone bill;
  3. A legible photocopy of a government-issued identification card (state driver’s license or ID card, military identification, etc.);
  4. If you are a victim of identity theft, a copy of either the police report, investigative report, or complaint to a law enforcement agency concerning identity

 

As an alternative to a security freeze, you have the right to place an initial or extended “fraud alert” on your 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 seven years. Should you wish to place a fraud alert, please contact any one of the agencies listed below:

 

Experian

P.O. Box 9554 Allen, TX 75013 1-888-397-3742

www.experian.com/fraud/center.html

TransUnion

P.O. Box 2000 Chester, PA 19016 1-800-680-7289

www.transunion.com/fraud-victim-resource/place- fraud-alert

Equifax

P.O. Box 105069 Atlanta, GA 30348 1-888-766-0008

www.equifax.com/personal/credit- report-services