Since September of 2018, a federal law has allowed people to freeze and unfreeze their credit without being charged. Unless you temporarily lift or permanently remove a freeze from your credit report, it can’t be accessed to open new accounts (subject to certain exceptions). A security freeze (also known as credit freeze) of your Equifax credit report is regulated by federal law. A written confirmation letter will be sent within ten business days that includes a personal identification number (PIN) to permit you to grant authorization to your credit report to a third party or for a specific period of time. Security freeze: A security freeze generally prevents access to your credit report to open new credit accounts. You also can lift the freeze temporarily without a fee. You can place a security freeze in any one of three ways: Phone: Call each of the credit bureaus at the number provided below: Transunion: 1-88. If you make your request by mail, the agency must place or lift the freeze within three business days after it gets your request. In order to effectively freeze access to your credit files, you must request a security freeze to be placed at each of the three major credit bureaus. If you cannot access our online service, you can contact us by: Mail. Experians online service is the easiest and quickest way to manage your credit freeze. If you request a lift of the freeze, the agency must lift it within one hour. How to freeze or unfreeze your Experian credit report by phone or mail. If you request a freeze online or by phone, the agency must place the freeze within one business day. Include your full name, address, Social Security number, proof of address (such as phone or utility bill), photocopy of a government issued identification card (driver’s license or ID card, military ID, etc.) and payment. In order to put a security freeze notice on your credit report, you must write to each of the three credit rating agencies below, by certified letter or by another secure method the agency authorizes: HOW DO I PUT A SECURITY FREEZE ON MY CREDIT REPORT? A security freeze would also forbid credit rating agencies from releasing any information from the credit report without permission from the consumer. This can help protect the consumer from identity theft, even if someone has their name and Social Security number. The purpose of the security freeze is to prevent access to the credit report by anyone without authorization by the consumer. 05-148: An Act Requiring Consumer Credit Bureaus to Offer Security Freezes”( ) posted on the Connecticut General Assembly website and “Security Freeze Information” ( Consumers Union’s Guide To Security Freeze Protection () posted on the Consumers Union website.Įffective January 1, 2006, Connecticut residents can request that a “security freeze” be placed on their credit reports by a credit rating agency. You can also remove your fraud alert by sending a request in writing to: For your protection, youll need to provide copies of certain documents to verify your identity. The following is summarized from “Public Act No. To remove your fraud alert or active duty alert prior to expiration, please call (888) 836-6351, from 8 a.m.
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