Review of Accounts and Credit Reports:  As a precaution you may regularly review statements from your accounts and periodically obtain your credit report from one or more of the national credit reporting companies.  You can 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 at the end of this guide.

Remain vigilant with respect to reviewing your account statements and credit reports, and promptly report any suspicious activity or suspected identity theft to the relevant government institution 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 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.  There may be similar resources available at the state level, and you may contact your state department of revenue directly for more information.

Residents of North Carolina may also obtain information about preventing and avoiding identity theft from the 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.

Information About Medical Identity Theft:  Patients and employees who pay for medical services can regularly review the explanation of benefits (EOB) statements that they receive from their health insurers or health plans.  If they identify services listed on the EOB that were not received, they should immediately contact the health plan.  For more information about protecting yourself from the Department of Health and Human services, please visit https://oig.hhs.gov/fraud/medical-id-theft.

Fraud Alerts:  There are also two types of fraud alerts that you can place on your credit report to put creditors on notice that you may be a victim of fraud:  an initial alert and an extended alert.  You may request an initial fraud alert 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 request an extended fraud alert 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 at the bottom of this page.

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 below.

Equifax (www.equifax.com)
P.O. Box 740241
Atlanta, GA 30374
800-685-1111

Fraud Alerts:
P.O. Box 740256, Atlanta, GA 30374
877-478-7625

Credit Freezes:
P.O. Box 105788, Atlanta, GA 30348

Experian (www.experian.com)
P.O. Box 2002
Allen, TX 75013
888-397-3742

Fraud Alerts and Security Freezes:
P.O. Box 9554, Allen, TX 75013

TransUnion (www.transunion.com)
P.O. Box 1000
Chester, PA 19016
800-888-4213

Fraud Alerts and Security Freezes:
P.O. Box 2000, Chester, PA 19022
888-909-8872