Credit Freeze Instructions - Louisiana
 |
How do I add a credit freeze? |
 |
|
 |
To place a security freeze on your credit report, you must contact each of the three major credit reporting agencies in writing. Each credit reporting agency has specific information that you must include in your letter. Equifax Security Freeze Click here to download a sample form letter. Experian Security Freeze Click here to download a sample form letter. Trans Union Security Freeze Once the credit reporting agencies receive your request for a credit freeze, they must place the credit freeze on your credit report no later than ten business days after receiving your written request. The credit reporting agency must also provide to you, within ten business days, a unique personal identification number (PIN) or password that you must use when providing authorization for the access of your credit report for a specific period of time. Also at this time, the credit reporting agency must let you know in writing the process of placing, removing, and temporarily lifting a credit freeze and the process for allowing access to information from the consumer’s credit report for a specific period while the credit freeze is in effect. Once you place a credit freeze on your
credit report, you can request that it be lifted. There is
a charge of $8.00 per lift to temporarily lift the freeze.
The credit reporting agency has three business days to honor
your request. |
|
How much will it cost? |
|
|
|
$10 to place, $8 to lift, no fees for ID theft victims or persons age 62 or older. |
Background
on Credit Freeze
If you are a resident of Louisiana, you have had the right as of
July 1, 2005 to place a credit freeze on your credit report if
you are a victim of identity theft who has filed a police, investigative
report, or complaint to a law enforcement agency concerning identity
theft. A Credit 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 Credit Freeze allowed
by state law that allows companies to view your report even though
it is frozen.
