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Credit Freeze Procedures

Click for frequently asked questions

 

 Credit Bureau Regulations and Washington Law

Cost
  • Identity Theft Victims: Free (submit valid police report)
  • All Adults 65 and Older: Free
  • Electronic Data Breach Victims (unencrypted personal information stolen or otherwise compromised):
    • Equifax: Free, for the time being (submit security breach notice)
    • Experian: $10 unless information has been fraudulently used to commit identity theft
    • TransUnion: $10 unless information has been fraudulently used to commit identity theft
  • Non-Victims Under 65 years old:
    • Equifax: $10
    • Experian: $10
    • TransUnion: $10
 Request a Freeze

 Equifax:

Guidelines for Placing a Freeze (links to Equifax site)

  • Phone: 1-800-685-1111
  • Mail*:
    Equifax Security Freeze
    P.O. Box 105788
    Atlanta, GA 30348
    * AGO recommends certified mail when sending personal information.

Include:

  • 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)
 Request a Freeze

 Experian:

Guidelines for Placing a Freeze (links to Experian site)

  • Mail*:
    Experian Security Freeze
    P. O. Box 9554
    Allen, TX 75013
    * AGO recommends certified mail when sending personal information.

    For overnight mail, use this address:
    Experian
    711 Experian Parkway
    Allen, TX 75013

Include:

  • 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
  Request a Freeze

 TransUnion:

Guidelines for Placing a Freeze (links to TransUnion Web site)

  • Phone: 888-909-8872
  • Mail*: 
    TransUnion, Fraud Victim Assistance Department
    P.O. Box 6790
    Fullerton, CA 92834
    * AGO recommends certified mail when sending personal information.

    For overnight mail, use this address:
     TransUnion, Fraud Victim Assistance Department
    1561 E. Orangethorpe Ave.
    Fullerton, CA 92831

Provide:

  • Social Security Number, address, date of birth and other documentation, as requested.
  • Proof of address, such as driver's license or state-issued ID card.
  • Pay by check or credit card.

Temporarily Lift a Freeze

As of Sept. 1, 2008, Washington law allows 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.

Equifax:

Provide:

  • 10-digit PIN
  • Date range of your lift
  • If making request by mail, also provide proof of identity and current address. See "Request a Freeze."

Cost: Free for ID theft victims and those 65 or older; $10 for everyone else.

 Temporarily Lift a Freeze

As of Sept. 1, 2008, Washington law allows 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:

Provide:

  • Name, address, birth date, Social Security number
  • PIN
  • Select option for 7, 15 or 30 days

Cost: Free for ID theft victims; $10 for everyone else.

 Temporarily Lift a Freeze

As of Sept. 1, 2008, Washington law allows 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:

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)

Cost: Free for ID theft victims , those 65 and older and online requests; $10 for everyone else.

Permanently Remove a Freeze

Equifax:

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, if applicable. Accepted forms of payment: check, American Express, Mastercard, VISA, Discover. Give name of card, account number, expiration date, security code from back of card.

Cost: Free for ID theft victims and those 65 or older; $10 for everyone else.

 Permanently Remove a Freeze

Experian:

  • Log on to ww.experian.com/freeze  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: Free for ID theft victims, $10 for everyone else

 Permanently Remove a Freeze

TransUnion:

TransUnion will remove the Security Freeze within three business days and will notify you of the removal

Cost: Free for ID theft victims, those 65 and older and online requests; $10 for everyone else.

Change My PINEquifax:
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.
 Change My PIN

TransUnion:

Mail:
TransUnion
P.O. Box 6790 Fullerton, CA 92834. 
Include TransUnion file identification number (FIN), Social Security number, birth date, and PIN

If you lose the PIN that was issued to you when you added the Security Freeze to your credit file, 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.

 Change My PIN

 Experian:
Log onto to www.experian.com/freeze

 

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