Credit Freeze | Best Protection

What Can a Credit Freeze Do For Me?

Placing a credit freeze, or security freeze, on your credit reports means an identity thief — even one who has your name, address, Social Security number, birth date and more — should NOT be able to get new loans and credit in your name. That’s because lenders, retailers, utilities and other businesses need access to a credit report to review and approve new credit, loans, and services.

Credit report freeze laws have been enacted in all but 3 states. California passed the first credit freeze law back in 2002. Now almost all of the states have a law on the books.

Individuals living in states that have passed laws regarding freezing credit reports must abide by those laws. There are variations between states, so check out your state’s website for details on how to place a freeze on your credit report.

Placing a Credit Freeze

While laws vary by state, you still have to contact all 3 credit bureaus to place a credit freeze. To make it easy for you we have linked to each bureau’s credit freeze page.

Credit Freeze Laws by State

47 states and the District of Columbia have now all enacted legislation enabling a credit freeze. Alabama, Missouri, and Michigan are the only states without a credit freeze, but the credit bureau’s voluntary credit freeze is still available to them.

State Credit Freeze Laws
Alabama Credit Freeze Missouri Credit Freeze Michigan Credit Freeze

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

District of Columbia

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming