Credit freeze letter
You can request a security freeze in writing by sending a credit freeze letter by certified mail to the credit reporting agencies. Most states charge you a nominal fee unless you are an identity theft victim, and several states allow you to freeze your credit report for free if you are over 65. For complete details on how this process works, what is needed and to expect, fees and regulations in your state, as well as terms and fees on how to unlock your reports, read credit report freeze.
Send the letter by certified mail only to all three addresses below,
Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348
Experian Security Freeze
P.O. Box 9554
Allen, TX 75013
Trans Union Security Freeze
P.O. Box 6790
Fullerton, CA 92834-6790
including the following information -
- your full name, including middle initial as well as Jr., Sr., II, III, etc.
- address,
- Social Security number
- date of birth
- all the addresses where you have lived over the prior 5 years.
- proof of current address such as a current utility bill or phone bill
- photocopy of a government issued identification card, e.g. state driver's license or ID card, military identification
If you are a victim of identity theft, to avoid the fee you must include a copy of report of alleged identity fraud or an identity theft passport. Pay the fee by check, money order, or credit card - Visa, Master Card, American Express or Discover cards only.
Here the credit freeze letter sample,
Date
Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348
Dear Equifax,
I would like to place a security freeze on my credit file. My name is:
My former name was (if applies):
My current address is:
My address has changed in the past 5 years. My former address(s) was (were):
My social security number is:
My date of birth is:
Mark either,
I am an identity theft victim and a copy of my police report or police docket number documenting identity theft is enclosed.
or
I have enclosed the $10 fee, photocopies of a government issued identity card AND proof of residence such as a utility bill or phone bill.
Yours truly,
Your name
Thu Oct 2, 2008 03:10PM | Copyright: www.bad-credit-advisor.com | More in Credit Repair Tips | Comments (0)
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