![]() ![]() A nationwide credit reporting company must place a security freeze within 1 business day of your request if made by telephone or secure electronic means.Equifax: Take control of your Equifax® credit report, (800) 685-1111.For more information, visit the nationwide credit reporting companies' websites or call the numbers below: ![]() ![]() You can place a "freeze" on your credit file at any time, but you must contact each credit reporting company. Other credit reporting companies, for example employment or tenant screening companies, might charge a fee to place and lift a security freeze based on your state laws. The federal law requiring free security freezes does not apply to someone who requests your credit report for employment, tenant-screening, or insurance purposes. Under a federal law effective September 21, 2018, you can freeze and unfreeze your credit record for free at the three nationwide credit reporting companies – Experian, TransUnion, and Equifax. Companies that you've hired to monitor your credit file.Certain government entities like child support agencies.Creditors of accounts you currently hold.Only a limited number of entities can see your file while a freeze is in place, including: Security freezes can be useful in preventing an identity thief from opening a new credit account in your name. Since September of 2018, a federal law has allowed people to freeze and unfreeze their credit without being charged.Creditors typically won't offer you credit if they can't access your credit reporting file, so a security freeze, also called a credit freeze, prevents you or others from opening accounts in your name. 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. You also can lift the freeze temporarily without a fee. If you make your request by mail, the agency must place or lift the freeze within three business days after it gets your request. If you request a lift of the freeze, the agency must lift it within one hour. 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. The following is summarized from “Public Act No. ![]()
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