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Identity Confirmation
What is ICS?
Is the ICS process really necessary?
If I use a credit card number to help confirm my identity, will it be charged?
I'm entering accurate information. Why won't ICS confirm my identity?
What if ICS asks for outdated account information that I no longer have?
What is ICS?
The Identity Confirmation System (ICS) is an essential part of the our Web site because it protects your privacy by ensuring that your personal credit report can only be viewed by YOU.
ICS confirms your identity through a series of questions based on accounts and personal information contained in your Personal Credit Report. Here's how it works:
- You select the question you'd like to answer. If you cannot provide the answer, you can go back and choose a different question to answer.
- As you submit your answers, that information is compared with the information in your personal credit report.
- 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 personal credit report.
- If your identity cannot be confirmed, you will be given instructions about how to continue.
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Is the ICS process really necessary?
The protection of your security and privacy are of utmost importance to us. ICS is a powerful fraud protection tool because it asks questions that can only be answered by the person who is the subject of the personal credit report-without it, an unauthorized party could obtain your most private credit information.
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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.
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I'm entering accurate information. Why won't ICS confirm my identity?
ICS uses specific information contained in your personal credit report, and sometimes this information has not been recently updated, or the information is inaccurate. Depending on which area of ICS you encountered this problem, there are some tips you can try that might help you to pass ICS successfully.
Problem-Personal Address History
ICS asks you to enter the street where you lived, in a particular city and on a certain date. You're sure that you have entered the correct information, but ICS rejects it.
Tip:
Try entering your street address during the general time period given. For example, try entering the street address from the city and state you resided in before or after the given date.
Problem-Employment History
ICS asks you to enter the name of the company you worked for, based on the location and date of that employment. You're sure that you have submitted the correct information, but ICS rejects it.
Tip:
Try entering an employer's name from the general time period or location given. For example, try submitting the name of the company you worked for before or after the given date or location. Also, be sure that you've entered the employer's full name and not just a shortened version.
Problem-Year of Birth
You've just submitted your year of birth, but ICS rejects it.
Tip:
ICS only needs your YEAR of birth (for example, 1958). Check to make sure that you haven't inadvertently entered the month or day of your birth. Review the year you have submitted for correctness.
Problem-Revolving Accounts
You have just submitted a credit card or department store account number, based on the name of an account given, but ICS rejects it.
Tip:
Sometimes these account numbers can be many digits in length, making it easy to enter the number incorrectly. Please check to make sure that the number you have submitted corresponds exactly to the number on your credit card or account statement-you may omit all spaces and dashes.
Problem-Installment Accounts
You have just submitted a loan account number, based on the name of an account given, but ICS rejects it. This usually means that you've entered the number incorrectly.
Tip:
Check to make sure that the number you have entered corresponds exactly to the number of your loan account, and then make the necessary corrections.
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What if ICS asks for outdated account information that I no longer have?
Sometimes the system will ask for information about accounts that you closed long ago. It may be necessary to contact your previous creditors to request the information.
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