subsequent request or application you make regarding a new loan, credit, mortgage, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, internet credit card transaction, or other services, including an extension of credit at point of sale. When you place a security freeze on your credit report, you will be provided a personal identification number or password to use if you choose to remove the security freeze on your credit report or authorize the release of your credit report to a particular entity or for a period of time after the freeze is in place. To provide that authorization you must contact the consumer reporting agency by one of the methods that it requires, and provide all of the following: (1) The personal identification number or password. (2) Proper identification to verify your identity. (3) The applicable information regarding the entity or time period with respect to which the consumer wishes the security freeze to be lifted. (4) The payment of the appropriate fee, if applicable. A consumer reporting agency must authorize the release of your credit report no later than 3 business days after receiving all of the above items by any method that the consumer reporting agency allows. A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements. You have a right to bring a civil action against anyone, including a consumer reporting agency, who willfully or negligently fails to comply with the Federal law on security freezes (section 605C of the Fair Credit Reporting Act). A consumer reporting agency has the right to charge you up to Five Dollars ($5.00) to place a