Illinois Security Freeze Process Experian

Illinois Security Freeze Process Experian

You have a right to place a "security freeze" on your credit report, which will prohibit us from releasing any information in your credit report without your express authorization, except to those with whom you have an existing account or a collection agency acting on behalf of the existing account, for purposes of reviewing (account maintenance, monitoring, credit line increases and account upgrades and enhancements) or collecting the account. Your information also may be used for the purposes of prescreening as provided for by the federal Fair Credit Reporting Act, even if a security freeze is on the report. A security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent; however, using a security freeze may delay, interfere with, or prohibit the timely approval of any subsequent requests or applications regarding a new loan, credit, mortgage, insurance, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transaction, or other services, including an extension of credit at point of sale.

The fee for placing a security freeze on a credit report is $10. If you are a victim of identity theft and submit a valid police report, investigative report, or complaint with a law enforcement agency about the unlawful use of your identifying information, the fee will be waived. If you are 65 years of age or older the fee will be waived. If you are an active duty military service member who has submitted a copy of your orders calling you into service or extending your service, there is no fee. If you are 65 years of age or older, there is no fee. To request a security freeze, log on to freeze or send all of the following via certified mail to Experian Security Freeze, P.O. Box 9554, Allen, TX 75013: full name, with middle initial and generation, such as JR, SR, II, III, etc.; current mailing address and previous addresses for the past two years; Social Security number; and date of birth (month, day and year). In addition, enclose one copy of a government issued identification card, such as a driver's license, or state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible (enlarge if necessary), displays your name and current mailing address, and the date of issue (statement dates must be recent). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. To protect your personal identification information, Experian does not return correspondence sent to us. Be sure to include the $10 fee, a valid law enforcement report or complaint, or copy of military

orders, or indicate that you are 65 years of age or older and live in Illinois to qualify for the fee to be waived. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number (PIN) that will be required in order to remove the freeze temporarily (in order to apply for credit or for any transaction that requires that another party access your personal credit report) or permanently.

To temporarily remove a security freeze for a period of time in order to apply for credit or for any transaction that requires that another party access your personal credit report, log on to freeze or call 1 888 EXPERIAN (1 888 397 3742), then enter your identification information and PIN, and select the number of days that you wish the freeze to be removed. The fee for temporarily removing a security freeze is $10. There is no fee for victims of identity theft who provide a valid copy of an identity theft report filed with a law enforcement agency. To temporarily remove a security freeze for a specific party, provide your PIN to the party you wish to grant access to your report.

To permanently remove a security freeze, log on to freeze or call 1 888 EXPERIAN (1 888 397 3742). You also may write to us and provide your identification information and PIN. If you write to us, always include all of your personal identification information and proof of your address as specified in this letter. The fee for permanently removing a security freeze is $10. There is no fee for victims of identity theft who provide a valid copy of an identity theft report filed with a law enforcement agency.

If you move to a new address and wish to keep the security freeze on your file, submit your request in writing and include all of your personal identification information and proof of your new address as specified in this letter.

Illinois Security Freeze Process

Trans Union

A Credit Freeze, also known as a Security Freeze, is a way for you to have maximum control over access to your credit.

Placing a freeze on your credit report will prevent lenders and others from accessing your TransUnion credit report in response to a new credit application. With a security freeze in place, even you will need to take special steps when you wish to apply for any type of credit.

You will need to place a security freeze separately with each of the three major credit reporting companies if you want the freeze on all of your credit files. There may be a fee for this service based on state law; see our chart below for further details. A security freeze remains on your credit file until you remove it or choose to lift it temporarily when applying for credit or credit-dependent services.

When should I consider a security freeze? You want maximum control over access to your credit report. You are concerned that you might become a victim of fraud/ID theft. You are a victim of fraud/ID theft. You won't need to apply for credit in the foreseeable future. You are the guardian of a minor or medically incapacitated consumer who won't need to apply for credit in the foreseeable future.

A freeze is a drastic solution, but can prevent a credit report from being released in response to a new credit application, so you will need to plan ahead and lift the freeze before applying for new credit.

A fraud alert is a good alternative for many consumers. It directs the credit report recipient to contact the consumer at a number the consumer provides before granting credit.

How do I set up a security freeze? To set up a security freeze with TransUnion, please visit our online form at . You should be prepared with the following types of information:

Your full name, including middle initial and suffix, such as Jr., Sr. II, III Social Security Number Date of birth Current address All addresses where you have lived during the past two years

 Email address A copy of a government-issued identification card, such as a driver's license or state ID card, etc. A copy of a utility bill, bank or insurance statement, etc.

Lifting a Security Freeze

If you wish to temporarily lift your Security Freeze, go online to . It's the fastest, easiest way to accomplish your goal right now.

By Telephone:

Call 888-909-8872 if you wish to temporarily lift your Security Freeze. Our interactive voice response system will guide you through the process. Please have ready your Social Security number, date of birth, Security Freeze PIN, lift type, start and end dates and the payment method to be used to pay the applicable fee, if any, for the service. Please refer to the Security Freeze Table for fees, if any. Under certain circumstances, as defined by state law, you may be eligible for reduced fee or free Security Freeze services. Please note that it may take up to 15 minutes to process your request. It may take longer if you have lost your Security Freeze PIN.

By Mail:

Complete the Lift section of the Security Freeze Form that was sent to you with the Security Freeze information letter (sent to you after you requested the Security Freeze), and mail it to the address shown at the bottom of the form. Please refer to the Security Freeze Table for fees (if any). Under certain circumstances, as defined by state law, you may be eligible for reduced fee or free Security Freeze services. Acceptable forms of payment are check, money order, or credit card (American Express, Discover, MasterCard and Visa). When selecting the start date for your temporary lift, be sure to allow mail delivery time for your request to reach TransUnion. It may take up to three business days from date of receipt to process your request to temporarily lift the Security Freeze by mail. It may take longer if you have lost the Security Freeze PIN.

Security Freeze Fees by State

While some states may be more restrictive or prescriptive, TransUnion has made certain business decisions that may make it easier or less expensive for certain consumers to place, lift or remove security freezes. These decisions are noted below:

TransUnion will allow any consumer in any state to add, lift or remove a security freeze. TransUnion allows consumers in any state to add, lift or remove a freeze online, by phone or by mail.

Victims of ID Theft should submit their request, along with acceptable documentation, to TU via mail. TransUnion does not charge victims of identity theft who want to add or lift a security freeze. TransUnion does not charge any consumer for security freeze removals.

 When a state allows for different amounts to be charged for a lift for a specific party versus a lift for a period of time, TransUnion will charge the lesser of these amounts for either type of lift.

TransUnion does not currently charge a consumer for replacement passwords or personally identifiable numbers (PIN).

State Illinois

Consumer Class

Victim of ID Theft Not a victim of ID Theft Consumer is 65 years of age or older Active duty military member Protected Consumer--not a victim of ID Theft Protected Consumer--Victim of ID Theft

Fees

Add

Lift

Remove

Free

Free

Free

$10

$10

Free

Free

$10

Free

Free

Free

Free

$10

N/A

Free

Free

N/A

Free

Illinois Security Freeze Process Equifax

How do I place a security freeze on my Equifax credit file?

The easiest and fastest way to place a security freeze on your Equifax credit file is via our online process found at the following link.

If you choose, you may also request a security freeze by calling our automated line at 1-800-685-1111 (NY residents please call 1-800-349-9960) or submitted your request in writing to:

Equifax Security Freeze P.O. Box 105788 Atlanta, Georgia 30348

Please be sure to include the following:

Your complete name including any suffix (e.g. JR., Sr., etc) Complete address Social Security Number Date of Birth Payment

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