Fraud Prevention - Free Credit Monitoring
Fraud Protection
Fraud Prevention - Free Credit Monitoring
Instructions
1. Enrolling in Complimentary 12-Month Credit Monitoring.
If you believe there was fraudulent use of your information and would like to discuss how you may be able to resolve those issues, please reach out to an Experian agent. If, after discussing your situation with an agent, it is determined that identity restoration support is needed then an Experian Identity Restoration agent is available to work with you to investigate and resolve each incident of fraud that occurred (including, as appropriate, helping you with contacting credit grantors to dispute charges and close accounts; assisting you in placing a freeze on your credit file with the three major credit bureaus; and assisting you with contacting government agencies to help restore your identity to its proper condition).
Please note that this offer is available to you for 12-Month from the date of this letter and does not require any action on your part at this time.
The Terms and Conditions for this offer are located at www.ExperianIDWorks.com/restoration. You will also find self-help tips and information about identity protection at this site.
While Identity Restoration assistance is immediately available to you, we also encourage you to activate the fraud detection tools available through Experian IdentityWorks SM as a complimentary 12-Month membership. This product provides you with superior identity detection and resolution of identity theft. To start monitoring your personal information please follow the steps below:
- Ensure that you enroll by: 07/31/2018 (Your code will not work after this date.)
- Visit the Experian IdentityWorks website to enroll: www.experianidworks.com/3bplus
- Provide your activation code: Please email iso@uog.edu
If you have questions about the product, need assistance with identity restoration that arose as a result of this incident or would like an alternative to enrolling in Experian IdentityWorks online, please contact Experian’s customer care team at 877-890-9332 by 07/31/2018. Be prepared to provide engagement number DB06140 as proof of eligibility for the identity restoration services by Experian.
Additional details regarding your 12-Month EXPERIAN IDENTITYWORKS Membership:
A credit card is not required for enrollment in Experian IdentityWorks.
You can contact Experian immediately regarding any fraud issues, and have access to the following features once you enroll in Experian IdentityWorks:
- Experian credit report at signup: See what information is associated with your credit file. Daily credit reports are available for online members only.*
- Credit Monitoring: Actively monitors Experian, Equifax and Transunion files for indicators of fraud.
- Internet Surveillance: Technology searches the web, chat rooms & bulletin boards 24/7 to identify trading or selling of your personal information on the Dark Web.
- Identity Restoration: Identity Restoration specialists are immediately available to help you address credit and non-credit related fraud.
- Experian IdentityWorks ExtendCARETM: You receive the same high-level of Identity Restoration support even after your Experian IdentityWorks membership has expired.
- $1 Million Identity Theft Insurance**: Provides coverage for certain costs and unauthorized electronic fund transfers.
What you can do to protect your information: There are additional actions you can consider taking to reduce the chances of identity theft or fraud on your account(s). Please refer to www.ExperianIDWorks.com/restoration for this information.
The highlighted area in the letter is mandatory language for the notification. Any changes must be approved in writing by Experian prior to use.
2. Placing a 90-Day Fraud Alert on Your Credit File.
Whether or not you choose to use the complimentary 12-month credit monitoring services, we recommend that you place an initial 90-day “Fraud Alert” on your credit files. A fraud alert tells creditors to contact you personally before they open any new accounts in your name, increase the credit limit on an existing account or provide a new card on an existing account. To place a fraud alert, call any one of the three major credit bureaus at the numbers listed below. As soon as one credit bureau confirms your fraud alert, they will notify the others.
TransUnion
Consumer Fraud Division PO Box 6790
Fullerton, CA 92834-67901-800-(671) 680-7289
Experian
Consumer Fraud Division PO Box 9554
Allen, TX 750131-888-(671) 397-3742
Equifax
Consumer Fraud Division PO Box 740256
Atlanta, GA 30374-0256
www.equifax.com1-800-(671) 525-6285
3. Consider Placing a Security Freeze on Your Credit File.
In addition, you may request a “Security Freeze” be placed on your credit file. A security freeze prohibits, with certain specific exceptions, the consumer reporting agencies from releasing your credit report or any information from it without your express authorization. You may place a security freeze on your credit report by sending a request in writing, by mail, to all three nationwide credit reporting companies.
4. Obtaining a Free Credit Report.
Under federal law, you are entitled to one free credit report every 12 months from each of the above three major nationwide credit reporting companies. Call 1-877-322-8228 or request your free credit report online at www.annualcreditreport.com.
Even if you do not find any suspicious activity on your initial credit reports, the Federal Trade Commission (FTC) recommends that you check your credit reports periodically. Checking your credit report periodically can help you spot problems and address them quickly.
If you find suspicious activity on your credit reports or have reason to believe your information is being misused, call your local law enforcement agency and file a police report. Be sure to obtain a copy of the police report, as many creditors will want the information it contains to absolve you of the fraudulent debts. You may also file a complaint with the FTC by contacting them on the web at www.ftc.gov/idtheft, by phone at 1-877-IDTHEFT (1-877-438-4338), or by mail at Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue, NW, Washington, DC 20580. Your complaint will be added to the FTC’s Identity Theft Data Clearinghouse, where it will be accessible to law enforcement for their investigations. In addition, you may obtain information from the FTC about fraud alerts and security freezes.
5. Additional Resources.
Social Security Office: www.ssa.gov/pubs/10064.html