One way to do that is a Credit Freeze. But, right up front we need to say that Arizona is one of the states that don’t offer a way to do a credit freeze.
What is a credit freeze? A credit freeze, also known as a credit report freeze, a credit report lock down, a credit lock down, a credit lock or a security freeze, allows an individual to control how a U.S. consumer reporting agency (also known as credit bureau: Equifax, Experian, TransUnion) is able to sell his or her data. The credit freeze locks the data at the consumer reporting agency until an individual gives permission for the release of the data. Today, credit freezes are made possible by state laws as well as industry-initiated rules. Laws have been passed by nearly all the US states (see partial list below). The first state to pass a credit freeze law was California, with SB 1386 sponsored by Debra Bowen in 2003. In late 2007, all three of the major credit bureaus (following TransUnion's lead) announced that they would let consumers freeze their credit reports, regardless of the state of residency. State laws still apply, however, in instances where the cost or other details of the freeze are more favorable than they are under the industry-sponsored alternative.
To place a security freeze on your credit files, you must write separate letters to each of the three credit bureaus and provide identifying information including, at a minimum, your name, address, and Social Security number. For married couples, both spouses must request to freeze their credit files via separate request letters. The credit bureaus must place the freeze on your files within five business days of receiving your written request. If you are a victim of identity theft, they must place the freeze within 24 hours of getting the police report and information confirming your identity. Each of the credit bureaus will send you written notice that the freeze is in place within five days of it going into effect. This confirmation will include a personal identification number (PIN) along with instructions on how to lift or remove the freeze.
There is no fee for identity theft victims who have filed a police report of identity theft to freeze their files. To have a freeze temporarily lifted also costs $3 per credit bureau. There is no fee to permanently remove a security freeze. When a file is protected by a security freeze, a creditor who requests that file will get a message or a code indicating that the file is frozen. However, when you have a security freeze on your credit file, certain entities can still access it, such as existing creditors or collection agencies acting on your behalf. In addition, government agencies can access your report for collecting child support payments or taxes, or for investigating Medicaid fraud. Government agencies may also access it in response to a court or administrative order, a subpoena or a search warrant.
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12450 North 35th Ave Suite 30
Phoenix, AZ 85029
Northwest Corner of Cactus and 35th Ave
602-242-5429 • Emergencies 24/7 480-363-2407
http://35thavelocksmith.com
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