HOW_TO_APPLY_FOR_A_CREDIT_FREEZE

Document Sample
HOW_TO_APPLY_FOR_A_CREDIT_FREEZE Powered By Docstoc
					                  HOW TO APPLY FOR A CREDIT FREEZE

       The three credit reporting agencies, TransUnion, Equifax and Experian each require
different information in the request for a freeze.

TransUnion:
      Name & Address
      Social Security Number
      Credit Card Number with expiration date.
      (They will charge your card the $10 fee if you are under 65)

      Mail a request by certified mail requesting that a security freeze be placed on your credit file to:
              TransUnion Security Freeze
              PO Box 6790
              Fullerton, CA 92834

Equifax:
       All the above info plus:
              Date of Birth
              A copy of a utility bill, bank or insurance statement which shows your name,
current address and date of issue.
       The $10 fee (if you are under 65) can be paid by enclosing a check or using a credit card.
If using a card include in your request:
              Name of the person as it appears on the card.
              Type of card (Visa etc)
              Complete account number
              Expiration date (month and year)
              3 digit card ID on back
                     (Amex is 4 digits on front above account #)

      Mail all this by certified mail to:
            Equifax Security Freeze
            PO Box 105788
            Atlanta, GA 30348
Experian:
      Everything that Equifax wants plus:
            Name must be full name plus any Jr.. II etc .
            Any previous addresses in the past two years
            Copy of drivers license or any government issued ID
            Check for $10 (if you are under 65)

      Mail all this by certified mail to:
            Experian Security Freeze
            PO Box 9554
            Allen, TX 75013




On the next page is a sample letter for Experian, which you can cut down for the other two.
Date:

Experian Security Freeze       (Don’t forget to change the address appropriately for each agency)
P.O. Box 9554
Allen, TX 75013

Dear Experian:

I would like to place a security freeze on my credit file. My name is:

        (Experian wants your full name)

My current address is:



Below is a list of my addresses for the past two years:




My Social Security number is:

My date of birth is:

As proof of my residence, I am enclosing the following two items:

        In here type what you are sending, e.g. drivers license, phone bill

CIRCLE ONE
I am an identity theft victim and a copy of my police report or DMV
investigative report of identity theft is enclosed.

OR
I will pay the fee of $10 for placing the freeze by enclosed check:

OR

I am a resident of Washington State and am age 65 or older.


Yours truly,