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A credit freeze, also known as a security freeze, is a consumer right provided by Indiana law. Placing a security freeze on your credit reports can block an identity thief from opening a new account or obtaining credit in your name. A credit freeze keeps new creditors from accessing your credit report without your permission. If you activate a credit freeze, an identity thief cannot take out new credit in your name, even if the thief has your Social Security number or other personal information, because creditors cannot access your credit report.
Any Indiana resident can request a credit freeze free of charge. There is no fee for Indiana residents to place, temporarily lift, remove or request a new password or PIN. To place a freeze, either use each credit agency's online process or send a letter by certified mail to each of the three credit agencies:
Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348
Place a Security Freeze Online with Equifax
Experian Security Freeze
P.O. Box 9554
Allen, TX 75013
Place a Security Freeze Online with Experian
TransUnion LLC Security Freeze
P.O. Box 2000
Chester, PA 19022-2000
Place a Security Freeze Online with Trans Union
For each, you may be asked to provide:
*Click here for sample letters to send to all three credit bureaus.
Click here for an informational video on security freezes.
A new consumer protection law, Senate Enrolled Act 394 of 2014, took effect July 1, 2014, part of an ongoing effort by Indiana Attorney General Greg Zoeller's office to help consumers protect themselves from identity theft and safeguard their credit. Because identity thieves could attempt to steal the information of individuals such as children or disabled adults who have clean credit history in order to assume their identities and perpetrate fraud, the new law offers a "protected consumer security freeze," similar to the credit freeze for adults. Parents can use it to protect their children from identity theft even if the children don’t have credit yet. For mentally disabled adults who also should be protected against identity theft, their legal guardians can register them for the security freeze.
Below are links to the three credit bureaus’ Protected Person Security Freeze sites. With each of the three credit bureaus, registering for a security freeze for a minor or protected consumer must be done in writing, by mail, rather than online. Each of the three credit bureaus has a slightly different format for registering for a security freeze for a minor or other protected consumer, so read the directions carefully.
Directions for registering for a credit freeze for a minor or protected person from Equifax are at this link:
At this link, scroll down to the final two paragraphs on the Experian page for information on a security freeze for a protected consumer:
Directions for registering for a credit freeze for a minor or protected person from TransUnion are at this link:
Consumers who have questions about the Protected Person Security Freeze can contact the Attorney General’s Consumer Protection Division at 1-800-382-5516. More information is at this link: http://bit.ly/1IEAzg4