Credit Freeze Laws

Placing a credit freeze, or security freeze, on your credit reports means an identity thief — even one who has your name, address, Social Security number, birth date and more — should NOT be able to get new loans and credit in your name. That’s because lenders, retailers, utilities and other businesses need access to a credit report to review and approve new credit, loans, and services.

Three Approaches to Freezing Your Credit Report :

Many states have laws that enable their residents to place a freeze on their credit. For those living in states that don't have laws, TransUnion, Equifax and Experian have announced that they will freeze a credit report for anyone in the nation.

People living in the following states, that don't have credit freeze laws, can take advantage of the credit bureaus offering to freeze a credit report to anyone in the nation:

Alabama, Alaska, Arizona, Georgia, Idaho, Iowa, Michigan, Missouri, Ohio, South Carolina and Virginia.

There are a five states that have laws that only apply to people that have been victims of identiy theft: Arkansas, Kansas, Mississppi, South Dakota and Washington. Victims in these states need to follow their state laws. Individuals that are not a victim of identity theft living in these states need to follow the credit bureaus' policies.

Individuals living in all other states must follow the laws passed by their state.

Credit Freeze Laws by State

Credit Freeze Laws

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	Credit Freeze Laws Go to home page E-mail this page to a friend Printer friendly page Placing a credit freeze, or security freeze, on your credit reports means an identity thief — even one who has your name, address, Social Security number, birth date and more — should NOT be able to get new loans and credit in your name. That’s because lenders, retailers, utilities and other businesses need access to a credit report to review and approve new credit, loans, and services. Three Approaches to Freezing Your Credit Report : Many states have laws that enable their residents to place a freeze on their credit. For those living in states that don't have laws, TransUnion, Equifax and Experian have announced that they will freeze a credit report for anyone in the nation. People living in the following states, that don't have credit freeze laws, can take advantage of the credit bureaus offering to freeze a credit report to anyone in the nation: Alabama, Alaska, Arizona, Georgia, Idaho, Iowa, Michigan, Missouri, Ohio, South Carolina and Virginia. There are a five states that have laws that only apply to people that have been victims of identiy theft: Arkansas, Kansas, Mississppi, South Dakota and Washington. Victims in these states need to follow their state laws. Individuals that are not a victim of identity theft living in these states need to follow the credit bureaus' policies. Individuals living in all other states must follow the laws passed by their state.	Special Offers Learn More \| Watch Video Description Protect Your Family with Family Secure by Experian® Monitors your children´s personal information, alerting you if someone applies for credit or opens an account in their name Add all of your children at no additional cost Allows you to add your spouse or another adult family member or friend at no additional cost Unlimited Experian® Credit Reports & Scores help you stay on top of your credit and protect your financial future Assistance from dedicated Fraud Resolution Representatives should you need it Learn More \| Watch Video Description Prevention Prevention Tips - Learn the simple things that will help protect your identity. Your Mailbox - Eliminate credit offers and protect your mail. Paper Shredders - Learn what to shred. Find a good shredder. Scams - Learn how to recognize "phishing" and other common scams. Credit Freeze - Is one available in your state? Fraud Alerts - Take 30 seconds today and place a fraud alert on your credit. Detection Credit Reports - Learn how to spot signs of fraud in your credit report. Credit Monitoring - Compare the cost and features of credit report monitoring services. The Fact Act Explained - Learn the best way to order your goverment-mandated free credit reports. Recovery Emergency Help - Learn what to do if you believe you are a victim of identity theft.