Equifax – California Credit Freeze – SB 168 (Debra Bowen)

This information is from an Equifax customer service representative:

Learn the basics about SB 168, California’s credit freeze

How do I add an Equifax security freeze?

To add an Equifax security freeze, your request must be submitted in writing to Equifax via certified mail.

Equifax
Post Office Box 105788
Atlanta, GA 30348

In your letter give your first name, middle initial and last name, with Jr., etc. Give your home address, your Social Security number and your birth date. You may pay by check, money order or credit card (Visa, Master Card, American Express or Discover only). If paying by credit card, give name of card, account number and expiration date.

How much will it cost?

A security freeze is free if you are a victim of identity theft and provide Equifax with a valid police report or Department of Motor Vehicles investigative report.

The fee to add a security freeze is $10.

The fee to temporarily lift a security freeze is $10 to lift it for a specific period of time and $12 to lift it for a specific credit grantor. There is no fee to remove a security freeze.

Background on Security Freeze

If you are a resident of California, you have the right as of January 1, 2003 to place a security freeze on your credit report. A Security Freeze will prevent access to your credit report, allowing you to control which companies may see your credit report. However, there are certain exemptions to the Security Freeze allowed by state law that allows companies to view your report even though it is frozen.

Author: Dave Nielsen

I started using computers in 1978 on the Apple II and was first online (using my “high-speed” 1200 baud modem) in 1989. I’ve managed web sites for several Fortune 500 companies and for internet start-ups. Working for one of those start-ups is what brought me into the world of credit. I was part of the the executive team that ran QSpace, the first company to offer credit reports over the internet.

Share This Post On

Submit a Comment