| Identity Confirmation |
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| What is Identity Verification? |
| Is the Identity Verification process really necessary? |
| I'm entering accurate information. Why won't Identity Verification confirm my identity? |
| What if Identity Verification asks for outdated account information I no longer have? |
| What if I've tried everything and Identity Verification still cannot confirm my identity? |
| What is a Security Code? |
| How do I use my Security Code to access my credit report online? |
| Why does the Security Code have to be mailed to me? |
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| What is Identity Verification? |
| The Identity Verification process is an essential part of the TrueCredit website because it protects
your privacy by ensuring that your credit report can only be viewed by YOU. |
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| Identity Verification confirms your identity through a series of questions based on accounts and personal information contained
in your credit report. Here's how it works: |
| - The system presents you with a question based upon information contained in your
credit report. |
| - You select the answer from a list of possible choices and click NEXT to continue. |
| - As you submit your answers, that information is compared with the information in your credit report. |
| - You will answer as many questions as necessary to successfully confirm your identity. |
| - When enough correct information about you has been confirmed, you will have access to your online credit report. |
| - If you need to leave the site to look up some information, you can safely log off and come back later within
three days from when you began to continue your identity verification. |
| - If your identity cannot be confirmed online, you will be given instructions on how to continue. |
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| Is the Identity Verification process really necessary? |
| The protection of your security and privacy are of utmost importance to us. Identity Verification 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 report - without it, an unauthorized party could obtain your most private credit information. |
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| I'm selecting the correct answer(s). Why won't Identity Verification confirm my identity? |
| Identity Verification used specific information contained in your credit report, and sometimes this information has not been recently updated or the information is inaccurate. For example, you may have recently paid off a loan that has not yet been reported to the credit reporting agency. If you are unable to pass Identity Verification, please follow the instructions provided. |
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| What if Identity Verification asks for outdated information that I no longer have? |
| The system may ask for information about accounts that you may have closed within the past three years. It may be necessary to review your files or contact your previous creditors to request the information. Feel free to contact the Customer Service Team - they will do their best to help confirm your identity. |
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| What if I've tried everything, and Identity Verification still cannot confirm my identity? |
| Please contact the Customer Service Team. Sometimes they are able to view additional details in the data that the online Identity Verification system cannot. |
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| 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 report available for you to view online. |
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| What is a Security Code? |
| A Security Code is a unique series of letters or numbers linked to the display of your online credit report. When Identity Verification cannot confirm your identity online, it assumes that someone else is attempting to view your credit information without your authorization. To protect your security and privacy, your credit report cannot be immediately displayed. |
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| A Security Code will be mailed to you in a security envelope to the address listed on your credit report. A Security Code is mailed only when Identity Verification cannot confirm your identity and you have made no attempt to contact the Customer Service Team for assistance. |
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| If you do not want a Security Code mailed to you, it is important that you contact the Customer Service
Team. They may be able to confirm your identity and make your credit report available for you to view online right away. |
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| How do I use my Security Code to access my credit report online? |
| Your credit report will be displayed after you enter your Security Code. Here are the steps: |
| - Return to TrueCredit.com |
| - Log in with your username and password |
| - When asked, enter the Security Code that is printed in the lower right-hand corner of the letter contained in the security envelope. |
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| Why does the Security Code have to be mailed to me? |
| Our security policy requires that the owner of the credit report be notified by mail when the online Identity Verification determines that there may have been an unauthorized attempt to view your credit report. Remember, when Identity Verification cannot confirm your identity online, it assumes that someone else is attempting to view your credit information without your authorization. |
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| A partial view of the address the notification will be mailed to is displayed to you online when you receive notice that the mailing of a Security Code is scheduled. |
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