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| | Current Law & Credit Bureau Regulations | Starting Sept. 1, 2008:
Changes To Washington Law | | Eligibility | All consumers | All consumers | | Request a Freeze | See second chart below | See second chart below | | Cost for Identity Theft Victims | Free | Free | | Cost for Adults 65 and Older | $10 to each bureau
($30 total) | Free | Cost for Electronic Data Breach Victims
(unencrypted personal information stolen or otherwise compromised) | Free | $10 to each bureau unless information has been fraudulently used to commit identity theft | | Cost for Non-Victims | $10 to each bureau
($30 total) | $10 to each bureau ($30 total)
Free for adults 65 and older | | Temporarily Lift a Freeze | Equifax: - Call phone number provided when you received confirmation of your freeze or write to Equifax Security Freeze, P.O. Box 105788, Atlanta, Georgia 30348
Provide: - 10-digit PIN
- Date range of your lift
- Name of specific creditor you would like to receive your file
- $10 payment (check, American Express, Mastercard, VISA, Discover) Give name of card, account number, expiration date, security code from back of card
Cost: $10 It may take up to three business days to process your request. | Washington’s new law will allow consumers to receive a temporary lift within 15 minutes through an electronic contact method chosen by the credit bureau, or within three business days of receiving a request by mail. | | | Experian: - Log on to www.experian.com/tempfreezeremoval or call 1-888-EXPERIAN (1-888-397-3742)
- Enter you identification information (name, address, birth date, Social Security number)
- Provide PIN
- Select option for 7, 15 or 30 days
- To temporarily lift a security freeze for a specific party, provide your PIN to the party
Cost: $10 or free for ID theft victims It may take up to three business days to process your request. | Washington’s new law will allow consumers to receive a temporary lift within 15 minutes through an electronic contact method chosen by the credit bureau, or within three business days of receiving a request by mail. | | | TransUnion: - Call 888-909-8872 or complete the Lift section of the Security Freeze Form that was sent to you after you requested a freeze and mail it to the address shown at the bottom of the form
Provide: - TransUnion file identification number (FIN)
- Security Freeze PIN
- Start and end dates. Minimum period is three days, maximum is 30 days.
- A global lift will allow any third-party with a permissible purpose to receive your credit report. A specific third-party lift will allow only those with a unique access code to receive your credit report. This access code will be provided to you at the time the specific third-party lift is set.
- Payment by credit card (American Express, Discover, MasterCard, VISA)
It may take up to three business days to process your request, or longer if you lost your PIN. Cost: $10 or free for ID theft victims | Washington’s new law will allow consumers to receive a temporary lift within 15 minutes through an electronic contact method chosen by the credit bureau, or within three business days of receiving a request by mail. | | Permanently Remove a Freeze | Equifax: - Write to Equifax Security Freeze, P.O. Box 105788, Atlanta, Georgia 30348
Provide: - Name, address, birth date and Social security number
- 10-digit PIN
- Two pieces of ID verification, such as a copy of your driver’s license and copy of Social Verification. ie: paystub, W2, or SSN card
- Letter starting that you wish to permanently remove your security freeze from your Equifax credit file.
- $10 payment (check, American Express, Mastercard, VISA, Discover) Give name of card, account number, expiration date, security code from back of card
Cost: $10 | | | | Experian: - Log on to www.experian.com/permfreezeremoval or call 1-888-EXPERIAN (1-888-397-3742), or write to Experian Security Freeze, P.O. Box 9554, Allen, TX 75013
- Enter you identification information (name, address, birth date, Social Security number)
- Provide PIN
Cost: $10 or free for ID theft victims | | | | TransUnion: - Complete the Lift section of the Security Freeze Form that was sent to you after you requested a freeze and mail it to the address shown at the bottom of the form or write to TransUnion, Fraud Victim Assistance Department, P.O. Box 6790 Fullerton, CA 92834.
Provide: - TransUnion file identification number (FIN)
- Security Freeze PIN
- Payment by credit card (American Express, Discover, MasterCard, VISA)
TransUnion will remove the Security Freeze within three business days and will notify you of the removal
Cost: $10 or free for ID theft victims | | | Change My PIN | Equifax:
If you lose your security freeze confirmation number you must write to Equifax Security Freeze, P.O. Box 105788, Atlanta, Georgia 30348 and provide your identity information. | | | | TransUnion:
If you know your TransUnion file identification number (FIN) and PIN, call 888-909-8872. You may be asked to verify your identity again. If you do not know your PIN, you may request a new one in writing. Provide proof of identification, such as a copy of your driver's license, passport, birth certificate or other proper identification forms. You may be charge a fee for a new PIN. | | | | Experian:
PIN change instructions were not immediately available from Experian. | |
| Credit Bureau | Address | Documents to Send | Equifax
1-800-685-1111 Guidelines for Placing a Freeze
| Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348
| - Send by certified mail
- Name, current and former address, Social Security number, date of birth
- Proof of current address such as a utility bill
- Pay by check, money order or credit card. Credit card (Visa, Master Card, American Express or Discover). Give name of card, account number, expiration date, identification number from back of card
- ID theft victim must include: valid copy of police report, investigative report or complaint filed with other governmental law enforcement agency report (such as DMV report)
| Experian
1-888-397-3742 Guidelines for Placing a Freeze
| Experian Security Freeze
P. O. Box 9554
Allen, TX 75013 Overnight mail only:
Experian
711 Experian Parkway
Allen, TX 75013 | - Send by certified mail.
- Full name, with middle initial and Jr./Sr., etc., current address and home addresses for past two years, Social Security number, birth date
- Proof of government-issued ID card (driver’s license, military, etc.)
- Proof of current address such as utility bill, bank or insurance statement. (NOT ACCEPTABLE: credit statements, voided checks, lease agreement, magazine subscriptions or postal service forwarding orders)
- Pay by check, money order or credit card. Credit card: Give name of card, account number and expiration date.
- ID theft victim must include: valid copy of police report, investigative report or complaint filed with law enforcement agency
| TransUnion
1-888-909-8872 Guidelines for Placing a Freeze | TransUnion
Fraud Victim Assistance Department
P. O. Box 6790
Fullerton, CA 92834-6790 | - Send by regular or certified mail.
- First name, middle initial, last name, Jr., etc.
- Current home address and addresses for past five years, Social Security number, birth date
- Pay by check, money order or credit card. Credit card: Give name of card, account number and expiration date.
- ID theft victim must include: valid copy of police report, investigative report or complaint filed with law enforcement agency
| | | | Credit bureaus must place the freeze no later than five business days after receiving your written request. Beginning September 1, 2008, bureaus must place a freeze within five business days after receiving your written request and payment of any required fees. |
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