Reference Guide

Kroll's ID TheftSmart Service™

Because securing your personal information is important, Emory Healthcare has engaged Kroll Inc. to provide its ID TheftSmart™ service at no cost to our affected patients for one year. If you think your personal information may have been affected, please call 1-855-205-6950 to see if you are eligible to register for this service.

Order Your Free Credit Report

To order your free credit report, visit www.annualcreditreport.com, call toll-free at 1-877-322-8228, or complete the Annual Credit Report Request Form on the U.S. Federal Trade Commission's ("FTC") website at www.ftc.gov and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The three credit bureaus provide free annual credit reports only through the website, toll-free number or request form.

When you receive your credit report, review it carefully. Look for accounts you did not open. Look in the "inquiries" section for names of creditors from whom you haven't requested credit. Some companies bill under names other than their store or commercial names.  The credit bureau will be able to tell you when that is the case.  Look in the "personal information" section for any inaccuracies in your information (such as home address and Social Security number). If you see anything you do not understand, call the credit bureau at the telephone number on the report. Errors in this information may be a warning sign of possible identity theft. You should notify the credit bureaus of any inaccuracies in your report, whether due to error or fraud, as soon as possible so the information can be investigated and, if found to be in error, corrected. If there are accounts or charges you did not authorize, immediately notify the appropriate credit bureau by telephone and in writing. Credit bureau staff will review your report with you. If the information can't be explained, then you will need to call the creditors involved. Information that can't be explained also should be reported to your local police or sheriff's office because it may signal criminal activity.

Contact the U.S. Federal Trade Commission

If you detect any unauthorized transactions in your financial account, promptly notify your payment card company or financial institution. If you detect any incident of identity theft or fraud, promptly report the incident to your local law enforcement authorities and the FTC. If you believe your identity has been stolen, the FTC recommends that you take these additional steps:

  • Close the accounts that you have confirmed or believe have been tampered with or opened fraudulently. Use the FTC's ID Theft Affidavit (available at www.ftc.gov/idtheft) when you dispute new unauthorized accounts.
  • File a local police report. Obtain a copy of the police report and submit it to your creditors and any others that may require proof of the identity theft crime.

You can contact the FTC to learn more about how to protect yourself from becoming a victim of identity theft:

Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, NW
Washington, DC 20580
1-877-IDTHEFT (438-4338)
www.ftc.gov/idtheft/

Place a Fraud Alert on Your Credit File

To protect yourself from possible identity theft, consider placing a fraud alert on your credit file. A fraud alert helps protect you against the possibility of an identity thief opening new credit accounts in your name. When a merchant checks the credit history of someone applying for credit, the merchant gets a notice that the applicant may be the victim of identity theft. The alert notifies the merchant to take steps to verify the identity of the applicant. You can place a fraud alert on your credit report by calling any one of the toll-free numbers provided below. You will reach an automated telephone system that allows you to flag your file with a fraud alert at all three credit bureaus.

Equifax Equifax Information Services LLC
P.O. Box 105069
Atlanta, GA 30348-5069
1-800-525-6285 www.equifax.com
Experian P.O. Box 9532
Allen, Texas 75013
1-888-397-3742 www.experian.com
TransUnion Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, California 92834-6790
1-800-680-7289 www.transunion.com

Place a Security Freeze on Your Credit File

You may wish to place a "security freeze" (also known as a "credit freeze") on your credit file. A security freeze is designed to prevent potential creditors from accessing your credit file at the credit reporting agencies without your consent. There may be fees for placing, lifting or removing a security freeze, which generally range from $5-$20 per action. Unlike a fraud alert, you must place a security freeze on your credit file at each credit reporting agency individually. For more information on security freezes, you may contact the three national credit reporting agencies or the FTC as described above. Since the instructions for establishing a security freeze differ from state to state, please contact the three national credit reporting agencies for more information.

The credit reporting agencies may require proper identification prior to honoring your request to place a security freeze on your credit file. For example, you may be asked to provide:

  • Your full name with middle initial and generation (such as Jr., Sr., II, III)
  • Your Social Security number
  • Your date of birth
  • Proof of your current residential address (such as a current utility bill)
  • Addresses where you have lived over the past five years
  • A legible copy of a government-issued identification card (such as a state driver’s license or military ID card)

For North Carolina Residents

You can obtain information from the North Carolina Attorney General's Office about preventing identity theft. You may contact this office at:

North Carolina Attorney General's Office
9001 Mail Service Center
Raleigh, NC 27699-9001
877-566-7226 (toll-free in North Carolina)
919-716-6400
www.ncdoj.gov