Credit freeze laws are aimed at preventing I.D. theft by keeping thieves from getting credit in your name.

A security freeze means that your credit file cannot be seen by potential creditors, insurance companies, or employers doing background checks -- unless you give your consent. Your report can still be released to your existing creditors or to collection agencies acting on their behalf.

Generally you can lift a freeze for a period of time such as when you want to open a new line of credit, or for a particular creditor, or end it totally.

There may be a minimal cost for a freeze as well as for lifting it. There is no need to pay a service to do this for you.

Be aware that if you sign up for a freeze, you won't be able to apply for additional credit yourself. You have to unfreeze the account first.

As of January 2007, you can freeze your credit in the following states.:

California

For information on the law, see:
http://www.privacyprotection.ca.gov/sheets/cis10securityfreeze.htm

For instructions on how to place a freeze, see:
www.consumersunion.org/pdf/security/securityCO.pdf

Colorado

For information on the law, see:
http://www.ago.state.co.us/idtheft/securityfreeze.cfm

For a summary of the law and instructions on how to place a freeze see:
http://www.consumersunion.org/pdf/security/securityCO.pdf

Connecticut

For a summary of the law and instructions on how to place a freeze, see:
http://www.consumersunion.org/pdf/security/securityCT.pdf

For information on the law, see:
http://www.ago.state.co.us/idtheft/securityfreeze.cfm

Delaware

For a summary of the law and instructions on how to place a freeze, see:
http://www.consumersunion.org/pdf/security/securityDE.pdf

For information on the law, see: http://www.legis.state.de.us/LIS/lis143.nsf/EngrossmentsforLookup/SS+1+FOR+SB+109/$file/Engross.html?open

Florida

For a summary of the law and instructions on how to place a freeze, see:
http://www.consumersunion.org/pdf/security/securityFL.pdf

For the law, see: http://www.myfloridahouse.gov/Sections/Documents/loaddoc.aspx? FileName=_h0037er.doc&DocumentType=Bill&BillNumber=0037&Session=2006

Hawaii

For a summary of the law and instructions on how to place a freeze, see
http://www.consumersunion.org/pdf/security/securityHI.pdf

For the law, see:

http://www.capitol.hawaii.gov/sessioncurrent/bills/hb1871_hd1_.htm

Illinois

For a summary of the law and instructions on how to place a freeze, see:
http://www.consumersunion.org/pdf/security/securityIL.pdf

For the law, see:
http://www.ilga.gov/legislation/ilcs/fulltext.asp?DocName=081505050K2MM

Kansas

For a summary of the law and instructions on how to place a freeze, see:
http://www.consumersunion.org/pdf/security/securityKS.pdf

For the law, see:
http://www.kslegislature.org/bills/2006/196.pdf%20

Kentucky

For a summary of the law and instructions on how to place a freeze, see:
http://www.consumersunion.org/pdf/security/securityKY.pdf

For the law, see:
http://www.lrc.ky.gov/record/06RS/HB54.htm

Louisiana

For the law, see:
http://www.legis.state.la.us/leg_docs/04RS/CVT4/OUT/0000LW18.PDF

Maine

For the law, see:
http://janus.state.me.us/legis/LawMakerWeb/externalsiteframe.asp?ID=280015326&LD=581&Type=1&SessionID=6%20

For a summary of the law and instructions on how to place a freeze, see:
http://www.consumersunion.org/pdf/security/securityME.pdf

Minnesota

For the law, see:
http://www.revisor.leg.state.mn.us/bin/bldbill.php?bill=S2002.4.html&session=ls84

For a summary of the law and instructions on how to place a freeze, see:
http://www.consumersunion.org/pdf/security/securityMN.pdf

Nevada

For the law, see:
http://www.consumersunion.org/pdf/security/securityNV.pdf

For a summary of the law and instructions on how to place a freeze, see:
http://www.consumersunion.org/pdf/security/securityNV.pdf

New Hampshire

For the law, see:
http://www.consumersunion.org/pdf/security/securityNH.pdf

For a summary of the law and instructions on how to place a freeze, see:
http://www.consumersunion.org/pdf/security/securityNH.pdf

New Jersey

For the law and instructions on placing a credit freeze, see:
http://www.state.nj.us/dobi/creditfreeze.htm

North Carolina

For instructions on how to place a credit freeze, see:
http://www.ncdoj.com/DocumentStreamerClient?directory=Publications&file=securityfreeze.pdf%20

To learn about the law, see:
http://www.ncga.state.nc.us/enactedlegislation/statutes/pdf/bysection/chapter_75/gs_75-63.pdf

New York

For instructions on how to place a credit freeze, see:
http://www.consumersunion.org/pdf/security/securityNY.pdf

To learn about the law, see:
http://www.consumersunion.org/campaigns/pdf/security/NYSecurityLaw.pdf

Oklahoma

To learn how to place a credit freeze, see:
http://www.consumersunion.org/pdf/security/securityOK.pdf

To learn about the law:
http://www.lsb.state.ok.us/

Pennsylvania

For instructions on placing a credit freeze, see:
http://www.consumersunion.org/pdf/security/securityPA.pdf

To learn about the law:
http://www.legis.state.pa.us/cfdocs/billinfo/billinfo.cfm?syear=2005&sind=0&body=S&type=B&BN=0180

Rhode Island

To learn how to start a credit freeze, see:
http://www.projo.com/business/moneyline/BZ_mon123106_12-31- 06_B83HTFR.2ce11b0.html

To learn about the law, see:
http://www.rilin.state.ri.us/Billtext/BillText06/HouseText06/H7148Aaa.pdf

South Dakota

To learn how to start a credit freeze, see:
http://www.consumersunion.org/pdf/security/securitySD.pdf

To learn about the law, see:
http://legis.state.sd.us/sessions/2006/bills/SB180enr.htm

Texas

To learn how to start a credit freeze, see:
http://www.consumersunion.org/pdf/security/securityTX.pdf

Utah

To learn about the law, and how to start a credit freeze, see:
http://www.consumersunion.org/pdf/security/securityUT.pdf

To learn about the law, see:
http://www.le.state.ut.us/%7E2006/bills/sbillenr/sb0071.htm

Vermont

To learn how to start a credit freeze, see:
http://www.atg.state.vt.us/display.php?smod=198

Washington

To learn how to start a credit freeze, see:
http://www.atg.wa.gov/AskAG/AskAG_CreditFreeze_20051010.sht

Wisconsin

To learn how to start a credit freeze, see:
http://www.consumersunion.org/pdf/security/securityWI.pdf

To learn about the law, see:
http://www.legis.state.wi.us/2005/data/AB-912.pdf

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