• Ryan Torrens

Your Right to a Credit Freeze

Good Morning!


I hope you all had a great week. This week, I would like to discuss your right to a temporary freeze on your credit report.


If you are concerned that you are the victim of identity theft or are concerned that someone has gained access to your credit report without your permission, you have the right, under federal law, to have a "security freeze" placed on your credit report.


A security freeze is a free way to restrict access to your credit report. Remember that before you can be approved for new credit accounts, the creditor will usually need to review your credit report, so having a security freeze on your credit report can prevent thieves from opening up new accounts under your name. When a freeze is placed on your credit report, only current creditors (or their debt collectors) or government agencies with a subpoena or court order can gain access to your credit report.


If you decide to apply for new credit, a new job, or a new apartment, you can have the security freeze lifted off your report so your credit can be reviewed and considered as part of your application.


If you submit your request electronically, the credit bureau must place your credit on freeze within one business day and upon your request to remove the freeze from your credit, the credit bureau must do so within one hour of your request. Here's the information if anyone needs to request their credit report be placed on a security freeze:


Equifax

Equifax.com/personal/credit-report-services

800-685-1111


Experian

Experian.com/help

888-EXPERIAN (888-397-3742)


Transunion

TransUnion.com/credit-help

888-909-8872


Requesting a freeze on your credit report will not impact your credit score or prevent you from obtaining your free annual credit report, which you can pull by clicking HERE.


I hope this information is helpful for you and your family.


We are archiving all of our newsletters, so if any of you would like to review any of the previous newsletters, you can read them by clicking HERE.


Thank you for reading and I hope you have a great Sunday.


Best,


Ryan Torrens, Consumer Litigation Attorney

Disclaimer: The information provided in this email does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available in this email is for general informational purposes only.


www.torrenslawgroup.com


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Your Right to a Credit Freeze  - September 8th, 2019 by Ryan Torrens - PDF

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