States With Laws About Security Freezes On Your Credit

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.

For a list of states in which you can freeze your credit, see: http://consumersunion.org/research/security-freeze/

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