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How to Request a Credit Freeze for Minors

We’ve got a new credit protection offer

Your personal information is important. Unfortunately, as we told you in 2015, Anthem was the target of a cyber attack. There’s no proof that anyone’s information was misused, but we want you to have extra peace of mind. We’re offering a special program to pay for a credit freeze for your child. Or, if you were a child affected by the cyber attack but are now an adult as of February 24, 2017, we want to make sure you know about a new adult credit freeze reimbursement offer. This program is an added layer of security for their information.

Place a credit freeze

A credit freeze is sometimes called a “credit lock.” It can help stop things like getting a credit card in the child’s name. We’ll cover the full cost of this service with the three major credit bureaus1

  • Equifax
  • Experian
  • Trans Union

As part of this program you won’t get a bill for placing the freeze or removing it.

Interested? Follow the steps on this form.

You’ll need to send your information within a year of the date on your letter. Just keep in mind that your child still needs to be under 18 years old to receive the free credit freeze.

Already paid for a freeze?

If you paid for a credit freeze between February 5, 2015 and now, we’ll pay you back. (Don’t worry if your child is now over 18. If you placed a freeze for them, we’ll still take care of it.) Follow the steps on this reimbursement form.

And again, make sure it’s within a year.

Questions?

Call 1-855-260-2775 (TTY: 711), Monday – Saturday, 8 a.m. – 8 p.m. U.S. Central Time.

1 This program is unique to Anthem and is being offered at the request of the National Association of Insurance Commissioners. It is not related to any other rights related to the credit bureaus under your state’s law.

Beware of phishing scams!
Anthem is not currently sending any emails about the 2015 cyber attack against Anthem.

Credit Freeze FAQs

Overview

1. What is a credit freeze?

A credit freeze can help to stop credit card companies and others from opening new credit accounts in your child’s name without your OK. It can help stop fraudulent accounts from being opened with your child’s information. It can also help to stop others from getting information from your child’s credit report, if they have one.

2. How will the credit freeze help my child?

A credit freeze is designed to help stop credit from being opened in your child’s name without your knowledge.

3. Why is Anthem only offering to pay for a credit freeze for minors? What if I (an adult) want to place a credit freeze on my own credit file? Will Anthem pay for it if I was impacted by the cyber attack?

The NAIC asked Anthem to create this Program and make this offer to minors who were impacted by the cyber attack. In addition, if the minor child is now an adult, they may set a credit freeze directly with Equifax, Experian, and TransUnion and we will pay them back. Impacted individuals who were adults at the time of the cyber attack may place a credit freeze at any time on their own, in accordance with state law and at their own cost.

4. How long is this offer open?

The offer to get a minor credit freeze under the Anthem Minor Credit Protection Program, or to get reimbursement for a previously set minor credit freeze, is open one year from the date of the letter. Those who were minors on January 27, 2015 and who are now adults also have one year from the date of their letter to get reimbursed if they choose to place an adult credit freeze.

5. Is this new Anthem Minor Credit Protection Program part of my benefits?

No. This Program is not a benefit under your health plan. It is an offer that the NAIC asked Anthem to make. Requesting a credit freeze is a personal decision that an adult makes for themselves, or that a parent or guardian makes for their child.

6. What if my state doesn’t allow a credit freeze for a minor?

Anthem worked with the three credit bureaus to make sure they will allow the minor credit freeze in all states. Anthem’s Program is available in all 50 states and in U.S. territories.


Eligibility

7. How old does the minor have to be to get this offer?

If a child that was impacted by the cyber attack is still a minor, they may request a minor credit freeze through the Anthem Minor Credit Protection Program that Anthem created with Equifax, Experian, and TransUnion. Letters are being mailed to parents and legal guardians for minors that may have been impacted by the cyber attack and that were under the age of 18 on January 27, 2015. Or, if your minor was impacted, you can get started now by filling out this form and following the instructions.

If a parent/guardian placed a credit freeze for the child on or after February 5, 2015 (the date Anthem’s cyber attack was publically announced), Anthem will pay the parent back, upon request, for the cost paid to Equifax, Experian, or TransUnion to place the freeze.

Anthem also will offer to reimburse freeze costs for those who were minors on January 27, 2015 and who are now adults and who choose to set an adult credit freeze within one year of the date of the letter notifying them about this offer.

8. What happens if a minor who was not impacted by the cyber attack against Anthem tries to sign up for the free credit freeze services?

They wouldn’t be eligible. Anthem is offering this to minors impacted by the cyber attack against Anthem. To be eligible for the offer, the child must have been a minor as of the date of the cyber attack. The offer will remain open for one year from the date of your letter.

9. Can I request a freeze for my child born after the cyber attack was announced?

No. To be eligible for the offer, your minor must have been impacted by the cyber attack.


Setting a freeze

10. How do I place a credit freeze under the Anthem Minor Credit Protection Program for my child/children?

We’ve sent you a letter to explain the process to you, you will need to fill out a form and collect copies of certain documents. Then, make three copies of these items, place them in an envelope, and mail them to the three credit bureau addresses noted in your letter.

11. How long will it take for Equifax, Experian, and TransUnion to set the freeze?

It may take about 45 days for Equifax, Experian, and TransUnion to each send you a confirmation letter that the minor credit freeze has been set. Depending on their volumes, it could take longer than 45 days. Please keep that letter for your records.

12. What if my child has an active credit file? Can I still request a freeze?

Yes. Complete the form, make copies of the necessary documents and mail it to the credit bureau addresses noted in your letter.

13. Can I submit this information to Equifax, Experian, and TransUnion electronically (for example, through a secure web site)?

No. This information must be submitted via USPS mail (or via fax in the case of Experian) and must be mailed to the dedicated P.O. Boxes noted in the letter.

14. How much do credit freeze services cost?

Anthem is paying the costs for you. So, it is free for you.

15. Are there any other credit bureaus besides Equifax, Experian, and TransUnion involved in this offer?

No. Equifax, Experian, and TransUnion are the only credit bureaus involved.

16. Are minor credit freezes the same with all three credit bureaus? If not, how are they different?

The protection offered by all three credit bureaus under the Anthem Minor Credit Protection Program is very similar. The credit bureaus will create a credit file for the child if one does not exist, and then freeze it. If a credit file already exists, the credit bureaus still place the freeze on the credit file.

There are some differences regarding the temporary or permanent removal of the freeze processes.

Only Experian will allow for a temporary freeze removal under the Anthem Minor Credit Protection Program. Equifax and TransUnion will not allow a temporary freeze removal.

Equifax and TransUnion will automatically remove the child’s credit freeze within 30 days of their 18th birthday. Experian requires a written request to permanently remove the credit freeze. The bureaus will include instructions in their confirmation letter to parents that the freeze has been set.

Here’s a chart that will explain it, too.

17. Will the parent of the impacted minor have to request a credit freeze with each credit bureau?

Yes, if the parent chooses to set a freeze, the parent/guardian will have to request a minor credit freeze with each credit bureau. Please follow the instructions in your letter or on this form.

18. What happens if I don’t place the freeze at all three credit bureaus?

The freeze should be placed at all three credit bureaus to be as effective as possible. But this is an individual choice.

19. Do I need to contact the credit bureaus about the Anthem Minor Credit Protection Program?

Your letter will explain the process, or you can get started now by filling out this form. You do need to gather certain information and mail it to the credit bureaus if you choose to set a minor credit freeze.

20. What do I need to do to set a credit freeze for my minor child?

Please collect the information described in the letter and make copies of it. Fill out the form, and mail a copy of these documents to the credit bureaus. They will mail you a letter in about 45 days telling you the freeze has been set.

21. When can I start the process?

You can get started now by filling out this form. Then follow its directions.

22. What happens if I don’t send in all the documents to the credit bureaus that were asked for (ex: copy of birth certificate)?

Equifax, Experian, and TransUnion need copies of all the documents listed on the form. Your request will be delayed if you don’t send them. The credit bureaus will mail you a letter asking for the missing information. Remember, don’t send original documents as you will not get them back.

23. What happens to the copies of documents that I send to the credit bureaus?

The credit bureaus will make an electronic copy of the documents and then securely destroy the paper copies. The electronic copies are stored securely and destroyed within the credit bureaus’ document retention guidelines.

24. How can I be sure the credit freeze is in place once I take all these steps?

Equifax, Experian, and TransUnion will each mail you separate letters to let you know that the freeze has been set. Keep that letter for your records. It will tell you how to remove the freeze. You should get the letter in about 45 days after they get your freeze request with all the right documents.


Lifting a credit freeze

25. How do I lift the freeze to allow temporary access to my child’s credit report? (for example, a car loan or college loan)

Experian will allow a temporary lift on your child’s credit report to allow for a creditor to access the credit file. The freeze confirmation letter Experian sends you will tell you how to temporarily lift the freeze. Keep this letter! It will have important information that you will need.

Equifax and TransUnion will not allow a temporary lift on your child’s credit report. You will need to permanently remove the freeze if you need a creditor to have access to the credit file. The freeze confirmation letter Equifax and TransUnion send you will tell you how to remove the freeze. Keep this letter! It will have important information that you will need.

Once the freeze is removed, any future credit freezes will be handled outside of the Anthem Minor Credit Protection Program and in accordance with your state’s security freeze law. Anthem will not pay for those additional costs.

Here’s a chart that will explain it, too.

26. How do I permanently remove the freeze from my child’s credit report?

Experian will permanently remove the freeze upon your written request. The freeze confirmation letter sent back to you will tell you how to remove the freeze. Keep this letter!

Equifax and TransUnion will automatically remove the freeze within 30 days of your child’s 18th birthday, as part of this customized solution for Anthem. You do not need to take any action. The freeze confirmation letter sent back to you will tell you how to remove the freeze earlier than your child’s 18th birthday if you choose to do so. Keep this letter!

Once the freeze is removed, any future credit freezes will be processed in accordance with your state’s security freeze law. Anthem will not pay for those additional costs.

Here’s a chart that will explain it, too.


Minors who are still Minors

Reimbursement

27. What if I already paid to freeze my child’s credit? Will Anthem pay for that service? How can I get Anthem to pay for that service?

Anthem will pay you back if you set the freeze for your child after February 5, 2015. Complete this reimbursement form and mail it back to us. Follow the instructions on the form. Anthem will send you a reimbursement check within about 45 days of receiving all required information needed to process the request.

28. Will Anthem reimburse for mailing costs of paper documents to the credit bureaus?

No. Anthem will only pay for the cost of the placement of the freeze and the one-time removal of the freeze.

29. Will Anthem reimburse for photocopying costs of paper documents to the credit bureaus?

No. Anthem will only pay for the cost of the placement of the freeze and the one-time removal of the freeze.

30. If I have more than 5 children for whom I placed a credit freeze, do I just fill out another Reimbursement form for the additional children?

Yes, you can just fill out another form to include others if you have more than 5 children eligible for reimbursement.

31. What if I don’t remember the exact date I placed a freeze for my minor back in 2015?

The reimbursement form asks for the date you set the freeze to ensure you are eligible for the offer. If you don’t remember the exact date, please provide the approximate date. Our goal is to mail a follow up letter within 45 days of receipt, either approving the request or asking you for more information.

32. What if I don’t remember the exact amount I paid the credit bureaus to set a minor free freeze back in 2015?

The reimbursement form asks for the amount you paid so we can pay you back. If you don’t remember, that’s ok. We will pay you back based on the charges specified by your state’s credit freeze laws. If your state doesn’t have an amount specified in the law, we will pay you back the amount that most states say in their law. Our goal is to mail a follow up letter within 45 days of receipt, either approving the request or asking you for more information.

33. Why is the check I received from Anthem more than the amount I requested on my form?

Anthem will pay you back for what you already paid to set the freeze, plus pay you in advance for the fees to remove the freeze. This way you won’t have to request reimbursement for removal costs when you decide to remove the freeze in the future.


Minors who are now Adults

Reimbursement

34. You sent me a letter for my child, and then I was not allowed to set a credit freeze because my child recently turned 18. Now what do I do?

If your child recently turned 18 years old, there are two reimbursement options. First, your child (now an adult) is welcome to place an adult credit freeze on their credit file with Equifax, Experian, and TransUnion. Then, they can request reimbursement by filling out the reimbursement form. Anthem will pay the now-adult back provided that he or she was under the age of 18 on January 27, 2015.

Second, you or your child (now an adult) may request reimbursement if you already set a minor credit freeze with the three credit bureaus between February 5, 2015 and the date of your recent letter announcing the credit freeze offer.

Requests for reimbursement must be received within one year of the letter.

35. How do I set an adult credit freeze for a minor impacted by the cyber attack who is now an adult?

The now-adult must set the freeze. Contact Equifax, Experian and TransUnion to request an adult credit freeze and follow their normal process. Then, fill out Anthem’s reimbursement form and Anthem will pay you back.

36. Why is the process different for each credit bureau for an adult credit freeze?

Each credit bureau has its own processes due to the uniqueness of their own business models. Please follow their established processes to set your adult credit freeze and request reimbursement form Anthem for the credit freeze fees you paid.

37. Why did Anthem not establish a special program for minors who are now adults?  Instead, they have to use state based credit freeze processes to set an adult credit freeze.

Since Equifax, Experian, and TransUnion have established processes for requesting a credit freeze for adults in all 50 states, it was not necessary to create a custom program.

In contrast, because not all state laws require credit freezes be made available for minors, Anthem believed it was important to create the custom Program so that the request for a minor credit freeze would be honored in all 50 states.

38. Why is the check I received from Anthem more than the amount I requested on my form?

Anthem will pay you back for what you already paid to set the freeze, plus pay you back in advance for the fees to remove the freeze. This way you won’t have to request reimbursement for removal costs when you decide to remove the freeze in the future.


Personal information

39. Will I have to provide personal information to place a credit freeze? What information must I share?

Yes, you will have to provide some personal information to the credit bureaus. This is how they confirm your identity and make sure they’re placing the credit freeze on the correct credit file. Further instructions will be provided in your notification letter.

40. Will the credit bureaus share information with Anthem?

No. Equifax, Experian, and TransUnion will not share any personal information with Anthem about who requested a minor credit freeze. The credit bureaus will only tell Anthem how many minor credit freezes were placed under the Anthem Minor Credit Protection Program.

41. Will Anthem share personal information about those impacted by the cyber attack with the credit bureaus?

No. Anthem will not give any personal information to Equifax, Experian, or TransUnion.

42. Why do the credit bureaus need my child’s Social Security number to set a credit freeze?

Your child’s SSN is part of the information that uniquely identifies them. The credit bureaus use this information in combination with other information to make sure they are setting the freeze on the right credit file. Because the SSN is needed as part of the credit application process, such as when you open a loan or credit card, the SSN is needed to make sure the credit freeze is set on the right individual.


Communications from Anthem and the credit bureaus

43. If I receive a letter/email about credit freeze offers for me and my child and they mention Anthem, are these from Anthem? If not, what do I do? How can I identify scam correspondence?

All information about Anthem’s offer is found right here on www.AnthemFacts.com. This is the source of information you should trust. A letter sent by Anthem that you receive in the mail will have instructions that are the same as what you read on www.AnthemFacts.com.

Anthem does not intend to send emails about this Program.

44. Will Equifax, Experian, or TransUnion email me about my child’s credit freeze?

No. They will only contact you by mail. We have not provided any information about you to the credit bureaus, so they would not have your email address unless you provide it to them.

45. Will I be reminded to remove the minor credit freeze when my child turns 18?

As part of the Anthem Minor Credit Protection Program, Equifax and TransUnion will automatically remove the freeze within 30 days of the child’s 18th birthday.

However, for Experian, you must request the permanent removal of the freeze in writing. They will not remind you. Your freeze confirmation letter will explain how to permanently remove the freeze when you are ready. Please, keep your letter.

46. Why did you send me more than one copy of the letter?

You will receive a letter for each child impacted. And if we had your name and multiple addresses on file, we may have erred on the side of caution. We’d rather make sure you got the information from us – even if that means you get two letters.

47. My child has passed away. Why did you send me this letter?

We are sorry for your loss. It’s important that we share this information with you in case you’d like to ask for a credit freeze for their credit file. If you send a copy of the death certificate along with the rest of the required information, the freeze will stay in place indefinitely.

48. Will I get all the letters for my children at the same time?

The mailing only goes to those who were impacted by the 2015 cyber attack. It’s possible that not all of your children will get a letter because they were not all impacted by the cyber attack. If more than one child was impacted, you will get a letter for each child, and because of the amount of letters we’re mailing, you may get those letters at different times.

49. Why did I get a letter about the Anthem Minor Credit Protection Program, but didn’t get a letter in 2015 about the cyber attack?

You may not have received a letter in 2015 because the address we had on file for you then was undeliverable by the Post Office. For this mailing, we used the same address information as used in the 2015 cyber attack and checked the United States Postal Service National Change of Address (NCOA) database from the last four years to see if there was any newer address than what we had on file. If we found a better address than what we had on file, we will use the better address.

50. What if I did not get a letter, but my child was impacted by the cyber attack. How long do I have to take advantage of the offer?

For those who did not receive a letter, you have one year from the date of public notice of the offer, so you would have until February 24, 2018.


AllClear ID Coverage vs Credit Freeze FAQs

51. If I already enrolled my child in the monitoring services (AllClear ID ChildScan) Anthem offered as a result of the cyber attack, do I need to take any action to request this credit freeze? Wouldn’t my child already be covered?

The monitoring offered after the cyber attack and this new offer (credit freeze) are two different things.

AllClear ID ChildScan monitors for misuse of a child's information. ChildScan actively scans databases to find out if anyone is using your child's Social Security number. If fraud is found, an AllClear ID investigator conducts a full inquiry and repairs your child's identity. AllClear ID ChildScan searches sources to look for misuse of your child's Social Security number.

A credit freeze helps to stop anyone from accessing your child’s credit report (without the freeze being lifted by you) which effectively prevents anyone from extending credit.

Under this new offer, if you choose to, you may request a credit freeze on your minor’s credit file at all three credit bureaus and Anthem will pay the cost to place and remove the freeze. Anthem also will offer to reimburse those parents or legal guardians who may have already paid for a credit freeze for their child after the announcement of Anthem’s cyber attack. Last, if the child is no longer a minor, Anthem will also pay the now-adult back for the cost of placing an adult credit freeze.

52. Weren’t credit freezes included in the monitoring services Anthem offered when it learned of the cyber attack?

No, credit freezes were not part of the services Anthem offered for free in 2015.

53. What services did I get from Anthem when the cyber attack was initially announced?

The free identity protection services provided by Anthem included two years of:

  • AllClear SECURE: The team at AllClear ID is ready and standing by if you need identity repair assistance. This service is automatically available to you with no enrollment required. If a problem arises, simply call 1-877-263-7995 and a dedicated investigator will do the work to recover financial losses, restore your credit and make sure your identity is returned to its proper condition.
  • AllClear PRO: This service offers additional layers of protection including credit monitoring and a $1 million identity theft insurance policy. For a child under 18 years old, AllClear ID ChildScan identifies acts of fraud against children by searching databases for use of your child’s information. To use the PRO service, you will need to provide your personal information to AllClear ID. To learn more about these services, or to enroll, visit our source of truth www.AnthemFacts.com and click on the AllClear ID link from there. Please note: Additional steps may be required by you in order to activate your phone alerts.
  • 54. What is included in ChildScan (AllClear ID product)?

    ChildScan is a service for minors under the age of 18 that examines credit related databases using your child's Social Security Number. This proprietary tool allows AllClear ID to uncover hard-to-find cases where a thief has stolen your child's Social Security Number and used it with someone else's name to commit child identity theft. You will be notified by AllClear ID of the results by email or phone each time a ChildScan is performed. If a problem is identified with credit, criminal, medical, or employment records, you will be asked to provide additional documents to an AllClear ID Investigator in order to launch a full‐scale investigation and restore the child's credit file to its original status.

    55. If my child is already enrolled in ChildScan, should I request the credit freeze? What’s the difference between ChildScan and a freeze?

    This is your choice. Placing a credit freeze on your minor’s credit is designed to help prevent fraud from occurring in the first place. ChildScan will help identify fraud after the credit is set up (e.g. you will get an alert if a credit card is being opened). Keep in mind that by placing a credit freeze, your child will not be able to open credit unless and until the freeze is lifted.

    Also remember that the ChildScan service offered following the cyber attack will be expiring soon. Individuals had two years from the date they actually enrolled, or the date of their letter, whichever was earlier.  If a person did not get a letter, and did not enroll yet, they can still enroll in ChildScan services related to the cyber attack.  However, the last date that these services are available is 8/16/17.  So for example, if a person enrolls today, the service expires on 8/16/17.  If a person enrolls on 8/15/17, the service expires the next day.

    56. Will I need ChildScan if I request a freeze for my child?

    This is your choice. The ChildScan services are different from a credit freeze. Placing a credit freeze on your minor’s credit is designed to help prevent fraud from occurring in the first place. ChildScan will help identify fraud after the credit is set up (e.g. you will get an alert if a credit card is opened). Keep in mind that by placing a credit freeze, your child will not be able to open credit until the freeze is lifted.

    Also remember that the ChildScan service offered from the cyber attack will be expiring soon. Individuals had two years from the date they actually enrolled, or the date of their letter, whichever was earlier.  If a person did not get a letter, and did not enroll yet, they can still enroll ChildScan services related to the cyber attack.  However, the very last date that these services are available is 8/16/17.  So for example, if a person enrolls today, the service expires on 8/16/17.  If a person enrolls on 8/15/17, the service expires the next day.

    57. How do I stop the ChildScan service that my child is already enrolled in?

    Please contact AllClear ID at 877-263-7995.

    58. What if my child has already experienced identity fraud? How will Anthem repair his credit? Wasn’t this part of the services Anthem provided when it learned of the cyber attack?

    The free identity protection services provided by Anthem included two years of:

  • AllClear SECURE: The team at AllClear ID is ready and standing by if you need identity repair assistance. This service is automatically available to you with no enrollment required. If a problem arises, simply call 1-877-263-7995 and a dedicated investigator will do the work to recover financial losses, restore your credit and make sure your identity is returned to its proper condition.
  • AllClear PRO: This service offers additional layers of protection including credit monitoring and a $1 million identity theft insurance policy. For a child under 18 years old, AllClear ID ChildScan identifies acts of fraud against children by searching databases for use of your child’s information. To use the PRO service, you will need to provide your personal information to AllClear ID. To learn more about these services, or to enroll, visit our source of truth www.AnthemFacts.com and click on the AllClear ID link from there. Please note: Additional steps may be required by you in order to activate your phone alerts.



  • How to Request Reimbursement for an Adult Credit Freeze

    We’ve got a new offer

    Your personal information is important. That’s why we want you to know about our new credit freeze reimbursement offer. Back in 2015, Anthem announced that it was the target of a cyber attack. We want you to have extra peace of mind even though there’s no proof that information has been misused as a result of the attack. You were under 18 at the time, so we let your parent or legal guardian know about the cyber attack. We want to make sure you know about a new credit freeze reimbursement offer because you’re now an adult.1


    What’s a credit freeze?

    A credit freeze can help stop things like someone getting a credit card or car loan in your name. While this may give you some peace of mind, know that if you want to do something like open a new credit account or get a car loan, you may have to briefly lift or permanently remove the freeze first.

    We’ll pay you back if you place a credit freeze with these three credit bureaus:

    Equifax Security Freeze Experian Security Freeze TransUnion Security Freeze
    freeze.equifax.com experian.com/freeze transunion.com/securityfreeze
    P.O. Box 105788 P.O. Box 9554 P.O. Box 2000
    Atlanta, GA 30348 Allen, TX 75013 Chester, PA 19016
    1-800-685-1111 1-888-397-3742 1-888-909-8872

    Interested?

    First, it’s important to talk to your parent or legal guardian just in case they’ve placed a credit freeze for you. If they haven’t, contact the credit bureaus above and follow the instructions to place a freeze. We’ll pay you back for the cost to set the freeze. We’ll also pre-pay you the cost to remove the freeze, based on removal fees specified in state law. You can remove it when you’re ready.

    Do you already have a credit freeze with these credit bureaus?

    We’ll pay you back for the cost if the freeze was placed between February 5, 2015 and the date of this letter. We’ll also pre-pay you the cost to remove the freeze, based on state law. You can remove it when you’re ready. Again, you should talk to your parent or legal guardian to find out if they placed a freeze for you. They can help you fill out the form included with this letter.

    Here’s how to get your money back if you place a new freeze or if you already placed a freeze:

    1. Fill out this form
    2. Make a copy of it for your records. Send it to us within one year of the date of your letter.

    Have a question? Let us help.

    Call 1-855-260-2775, Monday – Saturday, 8 a.m. – 8 p.m. U.S. Central Time.


    1 This is being offered at the request of the National Association of Insurance Commissioners.