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North Carolina Security Freeze Process

North Carolina Consumers Have the Right to Obtain a Security Freeze

Consumers in your state have the right to place a “security freeze” on their credit reports, which will prohibit us from releasing any information in their credit reports without their express authorization, except to those with whom the consumer has an existing account or a collection agency acting on behalf of the existing account, for purposes of reviewing (account maintenance, monitoring, credit line increases and account upgrades and enhancements) or collecting the account. If you place a security freeze on your credit report, your information also may be used for the purposes of prescreening as provided for by the federal Fair Credit Reporting Act, even if a security freeze is on the report. A security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent; however, using a security freeze may delay, interfere with, or prohibit the timely approval of any subsequent requests or applications regarding a new loan, credit, mortgage, insurance, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transaction, or other services, including an extension of credit at point of sale.

There is no fee for placing a security freeze on a credit report. To request a security freeze, log on to www.experian.com/freeze, call 1 888 EXPERIAN (1 888 397 3742) or send all of the requested information to Experian Security Freeze, P.O. Box 9554, Allen, TX 75013. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc.; Social Security number; date of birth (month, day and year); current address and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a driver’s license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible (enlarge if necessary), displays your name and current mailing address, and the date of issue (statement dates must be recent). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. To protect your personal identification information, Experian does not return correspondence sent to us. Copies of any documents should be sent, and you should always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number (PIN) that will be required in order to remove the freeze temporarily (in order to apply for credit or for any transaction that requires that another party access your personal credit report) or permanently.

To request a security freeze with Equifax, log on to https://www.freeze.equifax.com/, call 1 800 685 1111 or mail your request to Equifax Security Freeze, P.O. Box 105788, Atlanta, Georgia 30348. To request a security freeze with TransUnion, log on to https://annualcreditreport.transunion.com/fa/securityFreeze/landing, call 1 888 909 8872, or mail your request to TransUnion Fraud Victim Assistance Department, P.O. Box 2000, Chester, PA 19016.

To temporarily remove a security freeze for a period of time in order to apply for credit or for any transaction that requires that another party access your personal credit report, log on to www.experian.com/freeze or call 1 888 EXPERIAN (1 888 397 3742), then enter your identification information and PIN. There is no fee for temporarily removing a security freeze. To temporarily remove a security freeze for a specific party, provide your PIN to the party you wish to grant access to your report.

To permanently remove a security freeze, log on to www.experian.com/freeze or call 1 888 EXPERIAN (1 888 397 3742). You also may write to us and provide all your identification information and PIN. If you write to us, always include a copy of your personal identification information and proof of your address as specified in this letter. There is no fee for permanently removing a security freeze. Mail the requested information and payment to the address above.

In addition, a protected consumer according to North Carolina state law is a consumer under the age of 16 at the time of the request or a consumer who is incapacitated or for whom a court or other authority has appointed a guardian or conservator.

To request a security freeze for a protected consumer in your care, submit all of the above information for both you and the protected consumer, as well as a copy of the protected consumer’s birth certificate and Social Security card. Once we have received your request and all of the required information for both you and the protected consumer, a freeze will be placed on the protected consumer’s credit file. If a credit file for the protected consumer does not currently exist, a file for the protected consumer will be created. Experian does not knowingly maintain credit information on minors. If you are the protected consumer’s representative, be sure to include a copy of the court document or notarized written statement naming you as the representative.

If the protected consumer is incapacitated or for whom a court or other authority has appointed a guardian or conservator, please include a signed court document indicating conservatorship or guardianship, etc.

There is no fee to place or remove a freeze on a protected consumer less than 16 or older than 62 years of age. There is no fee to place or remove a freeze if the protected consumer provides a copy of a valid identity theft report. The fee for all other protected consumers for each placement or removal of a security freeze is $5.

Acceptable forms of payment to place a security freeze are credit card, check and money order. If you submit your credit card information by mail, be sure to include the name exactly as it is displayed on the card, the credit card type, the credit card number and the expiration date. Accepted credit cards are American Express, Discover, MasterCard and VISA.

Notification of Rights for North Carolina Consumers

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