Fraud and Identity Theft FAQs
- What is a Security Freeze? >>
- How do I add a Security Freeze? >>
- How do I permanently lift a Security Freeze? >>
- How do I temporarily lift the Security Freeze? >>
- How do I add a Fraud Alert to my credit report? >>
- How do I change my personal identification number (PIN)? >>
- How do I remove a Fraud Alert to my credit report? >>
- How do I change my phone number on the Fraud Alert? >>
- How long does a Fraud Alert remain in place? >>
- Is the Fraud Alert adverse to my credit rating? >>
- Will I get a copy of my credit report if I put a Fraud Alert on my file? >>
- Do I qualify for a free Security Freeze? >>
- What rights do I have as a victim of identity theft? >>
The Security Freeze may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make that involves access to your credit report. This may include, but is not limited to, new loans, credit, mortgages, insurance, rental housing, employment, investments, licenses, cellular phone service, utility service, digital signature service, Internet credit card transactions and extension of credit at the point of sale.
Additionally, while your TransUnion Credit Report is frozen, companies that provide consumer data to TransUnion will not be allowed to update name, address, Social Security Number and date of birth information on your credit report. If there are any changes made to your name or address while your file is frozen, please notify TransUnion directly so that we can update your personal information, applying the relevant Security Freeze rules and any associated fees for your state. The changes should be mailed to TransUnion as instructed in the Security Freeze information letter you will receive after your report is frozen.
If you wish to apply for a new credit account or other credit relationship, and the prospective lender or company needs to access your TransUnion Credit Report, you will need to either remove or temporarily lift the Security Freeze unless the situation is one of those exempt from Security Freezes as defined by law.
If you added an Extended Alert, you may receive up to two free credit reports during the 12 months following the date the alert was added to your credit report.
In order to receive the above referenced credit report from TransUnion, you can go online at https://fraud.transunion.com. Even if you didn’t place your alert online, you can simply create a user account and obtain your report.
If you believe you qualify for a free Security Freeze due to identity theft you must supply our office with a copy of a Law Enforcement report alleging identity theft that has been filed with your local law enforcement department or the Department of Motor Vehicles.
If you believe you qualify for a free Security Freeze due to your age, please send us verification of your date of birth with your Security Freeze request. Acceptable forms of verification include one of the following documents that show your date of birth: a birth certificate, driver's license, state identification, or some other legal document indicating date of birth.
If you are a resident of New York and have documentation of domestic abuse from the court, a law enforcement agency, a licensed medical or mental healthcare provider, or social worker, please provide our office with a copy of the document to receive your security freeze free of charge.
P.O. Box 2000
Chester, PA 19022-2000
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