* The following FCRA right applies with respect to nationwide consumer reporting agencies:

CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE

You have a right to place a "security freeze" on your credit report, which will prohibit a consumer reporting agency

from releasing information in your credit report without your express authorization. The security freeze is designed to

prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware

that using a security freeze to take control over who gets access to the personal and financial information in your credit report

may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new

loan, credit, mortgage, or any other account involving the extension of credit.

As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no

cost. An initial fraud alert is a 1-year alert that is placed on a consumer's credit file. Upon seeing a fraud alert display on a

consumer's credit file, a business is required to take steps to verify the consumer's identity before extending new credit. If you

are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.

A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or

entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or

collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line

increases, and account upgrades and enhancements.

* You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or

a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

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tims and active duty military personnel have additional rights. For more information, visit

nce.gov/leammor:

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