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FAQ & Related Links   Can't find an answer to your question? Contact the Customer Service Team for assistance   Identity Security System What is the Identity Security System? Is the Identity Security System process really necessary? If I use a credit card number to help confirm my identity, will it be charged? What if I've tried everything, and the Identity Security System still cannot confirm my identity? What is a Tracking Code? How do I use my Tracking Code to access my credit profile? Why does the Tracking Code have to be mailed to me? What do I do if the Tracking Code is being sent to an old or wrong address? What is the Identity Security System? The Identity Security System is an essential part of this Web site because it protects your privacy by ensuring that your credit profile can only be viewed by YOU. The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your credit profile. Here's how it works: As you submit your answers, that information is compared with the information in your credit profile. If you need to leave the site to look up some information, you can safely logout and come back later at any time. When enough correct information about you has been confirmed, you will have access to your online credit profile. If you identity cannot be confirmed, you will be given instructions about how to continue. Return to Top Is the Identity Security System process really necessary? The protection of your security and privacy are of utmost importance to us. The Identity Security System is a powerful fraud protection tool because it asks questions that can only be answered by the person who is the subject of the credit profile. Without it, an unauthorized party could obtain your most private credit information. Return to Top If I use a credit card number to help confirm my identity, will it be charged? No. This account number is ONLY used to confirm your identity and will not be charged. Return to Top What if I've tried everything, and the Identity Security System still cannot confirm my identity? Please contact the Customer Service Team. Sometimes they are able to see things in the data that the Identity Security System automatic system cannot. A Customer Service Team member will attempt to confirm your identity by asking you questions about your credit history. Once your identity has been confirmed, the representative will immediately make your credit profile available for you to view online. Return to Top What is a Tracking Code? A Tracking Code is an assigned series of letters or numbers linked to the display of your online credit profile. When the Identity Security System cannot confirm your identity, it assumes that someone else is attempting to view your credit information without your authorization. In order to protect your security and privacy, your credit profile cannot be displayed. After two business days, a Tracking Code will be mailed to you at the most recent address listed on your credit profile. A Tracking Code is mailed only when the Identity Security System cannot confirm your identity, and you have made no attempt to contact the Customer Service Team for assistance. If you do not want a Tracking Code mailed to you, it is important that you contact the Customer Service Team within two business days. They may be able to confirm your identity and show you your online credit profile right away. Return to Top How do I use my Tracking Code to access my credit profile? Your credit profile will be displayed after you enter your Tracking Code. Here's how: Return to the Web site Log in with your username and password When asked, please enter the Tracking Code that is displayed in the lower right-hand corner of your security mailer. Return to Top Why does the Tracking Code have to be mailed to me? Since the Identity Security System assumes that there has been an unauthorized attempt to view your credit profile, our security policy requires that the owner of the profile be notified by mail. The notification is mailed to the most recent address listed on the credit profile and a partial view of this address is displayed when you receive the notice that the mailing of a Tracking Code is scheduled. Return to Top What do I do if the Tracking Code is being sent to an old or wrong address? Due to security measures, we cannot change the address to which the Tracking Code is mailed-it must be mailed to the address on the credit profile. Naturally, this will cause problems if the address is outdated. That's why we ask you to contact the Customer Service Team. If the Identity Security System did not confirm your identity, our Customer Service Representative may be able to do so through a brief interview. Please contact the Customer Service Team when you have access to your financial records, as you will need to provide specific information. Once you successfully complete the interview, you can immediately view your credit profile online. Return to Top

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