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Fraud and Identity Theft FAQs

Get answers to the most frequently asked questions.

What is a Security Freeze?
When a Security Freeze is added to your TransUnion Credit Report, all third parties, such as credit lenders or other companies, whose use is not exempt under law, will not be able to access your credit report without your consent.

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.

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How do I add a Security Freeze?
For more information about a Security Freeze, please visit www.transunion.com/securityfreeze.

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How do I permanently lift a Security Freeze?
For more information about a Security Freeze, please visit www.transunion.com/securityfreeze.

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How do I temporarily lift a Security Freeze?
For more information about a Security Freeze, please visit www.transunion.com/securityfreeze.

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How do I add a Fraud Alert to my credit report?
You can add a Fraud Alert online, right now at https://fraud.transunion.com. It’s fast and easy. The Fraud Alert advises creditors viewing your TransUnion Credit Report to take special precautions before making a decision to extend credit based on the information in your credit report.

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How do I change my personal identification number (PIN)?
If you wish to change your PIN, please visit www.transunion.com/securityfreeze for information.

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How do I remove a Fraud Alert from my credit report?
The fastest way to remove a Fraud Alert is online, right now at https://fraud.transunion.com. It’s easy.

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How do I change my phone number on the Fraud Alert?
You may call 800-680-7289 and speak to an agent, or mail your request to P.O. Box 2000, Chester, PA 19022-2000.

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How long does a Fraud Alert remain in place?
There are three types of Fraud Alerts: Initial Fraud Alert = 90 days. Extended Fraud Alert = 7 years. Active Duty Military Alert = 1 year.

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Will a Fraud Alert hurt my credit rating?
No, the alert has no affect on the credit rating. It simply alerts a creditor that you have been a victim of fraud, and therefore, further action should be taken prior to extending any credit.

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Will I get a copy of my credit report if I put a Fraud Alert on my file?
Once an Initial Alert is added to your credit report, you may receive one free copy of your credit report during the 12 months following the date the alert was added to your file.

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.

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Do I qualify for a free Security Freeze?
Security Freeze services may be free of charge to you depending on your state of residence. Services may also be free if you are a victim of identity theft in an eligible state and can provide the consumer reporting agency with a valid identity theft report or other valid report from a law enforcement agency. In some states, consumers over a certain age are eligible for free Security Freeze services. Please refer to the Security Freeze Table.

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.

Mail:
TransUnion LLC
P.O. Box 2000
Chester, PA 19022-2000

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What rights do I have as a victim of identity theft?
The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe that you are, the victim of identity theft. View a summary of those rights.

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