![]() It does, however, require that you put your request for a security freeze in writing if you are a victim of identity theft. proper information regarding third parties who are authorized to review your credit fileĮquifax does not charge a fee for a credit freeze.proper identification to verify your identity.In order to obtain a credit freeze, you must provide the credit bureaus with the following: In fact, many states with credit freeze laws have given residents the right to have a credit freeze free of charge. Still, people victimized by identity theft can and do use credit freezes.Īdditionally, individuals concerned about privacy and unauthorized access to their credit can also initiate a credit freeze. Surprisingly, relatively few people have actually locked their credit reports.īy some estimates, only a few hundred thousand individuals have requested a credit freeze – this despite the millions of people who have been victimized by identity theft. With a credit freeze, an identity thief can’t apply for credit in your name because you must first provide a PIN (Personal Identification Number) to the credit bureaus in order to “unfreeze” or “thaw” out your credit report and allow access to it. and Puerto Rico, have laws permitting residents to lock or shut down access to their credit reports with the credit bureaus. ![]() Now, all 50 states in American, in addition to Washington D.C. Credit freezes help you thwart identity theft by preventing a crook from opening credit in your name.Ĭredit freeze laws, sometimes referred to as “Credit Lock” laws, began in California in 2003.
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