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Member FDIC. Equal Housing Lender.
Middleburg Bank, a division of Access National Bank.

MONDAY, December 10 - The Richmond FSC location will be closed today, due to inclement weather. All other FSC locations and departments will
operate during regular business hours.

Free Credit Freezes

Security freezes, also known as credit freezes, restrict access to your credit file, making it harder for identity thieves to open new accounts in your name. Starting September 21, 2018, you can freeze and unfreeze your credit file for free. You also can get a free freeze for your children who are under 16. And if you are someone’s guardian, conservator or have a valid power of attorney, you can also get a free freeze for that person.

How will these freezes work? Contact all three of the nationwide credit reporting agencies – Equifax, Experian, and TransUnion. If you request a freeze online or by phone, the agency must place the freeze within one business day. If you request a lift of the freeze, the agency must lift it within one hour. If you make your request by mail, the agency must place or lift the freeze within three business days after it gets your request. You also can lift the freeze temporarily without a fee.

Be careful not to confuse freezes with locks. They work in a similar way, but locks may have monthly fees. If you want a free freeze guaranteed by federal law, then opt for a freeze, not a lock. If you chose to lock your credit report, there are fees, but it will allow you to lock and unlock immediately when needed.  Contact the credit bureau to determine what works best for you.

Year-long Fraud Alerts

A fraud alert tells businesses that check your credit that they should check with you before opening a new account. Starting September 21, 2018, when you place a fraud alert, it will last one year, instead of 90 days. Fraud alerts will still be free and identity theft victims can still get an extended fraud alert for seven (7) years.

Credit Freezes and the Military

If you’re in the military, you’ll still have access to active duty alerts, which let you place a fraud alert for one year, renewable for the time you’re deployed. The active duty alert also gives you an added benefit: the credit reporting agencies will take your name off their marketing lists for prescreened credit card offers for two years (unless you ask them to add you back on).

You can place a fraud alert or active duty alert by visiting any one of the three nationwide credit reporting agencies – Equifax, Experian or TransUnion. The one that you contact must notify the other two. You also can find links to their websites at IdentityTheft.gov/CreditBureauContacts.

Issues with a Credit Freeze

If you think a credit reporting agency is not placing a credit freeze or fraud alert properly, you can submit a complaint online or by calling 855-411-2372.  If you think someone stole your identity, visit the FTC’s website, IdentityTheft.gov, to get a personalized recovery plan that walks you through the steps to take.

For more information, check out Place a Fraud Alert, Extended Fraud Alerts and Credit Freezes, and Credit Freeze FAQs. And if you’re considering a child credit freeze, you also may want to read Child Identity Theft.

Credit Bureau Contacts

Contact the national credit bureaus to request fraud alerts, credit freezes (also known as security freezes), and opt outs from pre‑screened credit offers.

Equifax
Equifax.com/personal/credit-report-services
800-685-1111

Experian
Experian.com/help
888-EXPERIAN (888-397-3742)

Transunion
TransUnion.com/credit-help
888-909-8872

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2017 Loudoun Times-Mirror Best of Loudoun
Ranked in 2018 Top 200 Healthiest Banks by DepositAccounts.com
Rated Superior - Top Rating Possible by IDC Financial Publishing, Inc.
Ranked #1 in the VA and Metro DC Area for Best 3-Year Return on Average Equity by American Banker
Ranked in Top 50 Top Performing Banks $2-$10B in Assets By American Banker
Ranked #3 Most Profitable Greater Washington Bank by the FDIC
Sm-all Stars Award for Top Performing Community Bank by Sandler O’Neill Partners
Community Bankers Cup Award For Excellence by Raymond James Research
Top SBA Lending Bank by the Business Finance Group
2017 Northern Virginia Association of Realtors Affiliate of the Year
2017 Loudoun Times-Mirror Best of Loudoun