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FAMS is cognizant of the sensitive personal information that is entrusted to us with the placement of accounts for collection, as well as our responsibility to maintain the confidentiality of that information. FAMS is required by law to confirm that we have reached the correct customer. Whether you contact FAMS or we call you, our representatives will ask for identity verification in our initial contact.

In order to simplify subsequent communications, you have the option to provide FAMS with a password to be used in future contacts. We will document that password on your account and when we communicate again, just give our representative your password as your form of identity verification. It’s that simple. The password may be any word, phrase or numbers that you choose. Before we can set-up a password, however, we will ask you to confirm your identity.

FAMS uses commercially recognized methods of identity verification starting with your complete name (first name, middle initial, and last name.) We will then ask you to provide two additional forms of identity verification to compare against the information that the creditor has already provided to us. That information includes your:

  1. Current address
  2. Social security number and/or
  3. Date of birth

FAMS will never ask you for any identity information that we do not already have on-file.

We will document our records to indicate that you verified your address and/or SSN and/or date of birth as a form of verification. If you wish to establish a password, please do so and refer to that password in future calls. The password is optional. But if you did not set-up a password FAMS, will be required to confirm your identity (name, address, SSN, and date of birth) in each future conversation.