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Security freeze laws in 8 more states
Posted on Jan 1, 2007 by Tom Fragala
Eight states see credit freeze laws go into effect starting January 1, 2007:
Hawaii. Victims of ID theft only, with a police, investigative report or complaint filed with a law enforcement agency. No fees permitted.
Illinois. After January 1, 2007, this law will apply to all consumers. Victims with police reports and seniors 65+ years old do not pay a $10 fee to place, remove, or temporarily remove. All others pay fee. Before Jan. 1, 2007, the law applies only to identity theft victims.
Kansas. Victims of ID theft only, with a police, investigative report or complaint filed
with a law enforcement agency. No fees permitted
New Hampshire. Applies to all consumers. No fee for ID theft victims who submit a copy of a police report, investigative report, or complaint to a law enforcement agency, for others $10 to place, temporarily lift or remove.
Oklahoma. Applies to all consumers, no fees for ID theft victims with investigative report
and no fees for seniors 65 years +.
Pennsylvania. Applies to all consumers, $10 to place but no fees for ID theft victims or seniors 65 years +. Freeze lasts 7 years.
Rhode Island. Applies to all consumers, no fees for ID theft victims or seniors 65 years +.
Wisconsin. Applies to all consumers. No fee for an "individual who submits evidence satisfactory to the CRAs that the individual made a report to a law enforcement agency. Up to $10 for others to place, thaw or remove freeze. Passed March 16, 2006.
Source and more information here.
Filed under: Credit, Identity Theft
Tags: credit disclosure, credit file, credit freeze, credit report, security freeze
Comments
Pat McManus on Jan 29, 2007
A minor, unanticipated inconvenience following placing a credit freeze: no longer able to get a credit report online through annualcreditreport.com. At least when requesting the Equifax report this time (first time since placing a credit freeze with Equifax last year), got a message that a request has to be sent in via certified mail along with a list of identifying items, including credit freeze PIN. Then tried the Annual Credit Report toll-free number for requesting a report but will probably not get the report but rather a letter asking for the request to be submitted by mail. We'll see in a week or so.
Pat McManus on Mar 6, 2007
As suspected, Equifax sent a letter stating that my credit file was locked. In order to get a credit report, I would have to submit a request in writing and include a copy of some identification showing social security number (Social Security card, pay stub, or W2 form) and a copy of some identification showing current mailing address (Driver's license, rental lease, house deed, pay stub, or utility bill). Additionally, the credit freeze PIN must be submitted. I'm ambivalent about sending them any info they don't already have and leery of sending a packet of info that could fall into the wrong hands and allow someone to unlock my credit file.
Pat McManus on Mar 6, 2007
As suspected, Equifax sent a letter stating that my credit file was locked. In order to get a credit report, I would have to submit a request in writing and include a copy of some identification showing social security number (Social Security card, pay stub, or W2 form) and a copy of some identification showing current mailing address (Driver's license, rental lease, house deed, pay stub, or utility bill). Additionally, the credit freeze PIN must be submitted. I'm ambivalent about sending them any info they don't already have and leery of sending a packet of info that could fall into the wrong hands and allow someone to unlock my credit file.
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