Credit Freeze Instructions - New Jersey
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How do I add a credit freeze? |
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To place a freeze, you must write to each of the three credit bureaus including a payment of $10, unless you are a victim of identity theft, in which case the fee is waived. To prove you are a victim, you must send to each credit reporting agency a copy of your police report, investigative report, or a complaint to a law enforcement agency concerning identity theft. Write to all three addresses below and include the information that follows: Equifax Security Freeze P.O. Box 105788 Atlanta, GA 30348 Experian Security Freeze P.O. Box 9554 Allen, TX 75013 Trans Union Security Freeze P.O. Box 6790 Fullerton, CA 92834-6790 For each, you must:
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How much will it cost? |
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No fee for initial freeze. Up to $5 to remove, temporarily lift or have PIN reissued. Consumers are also permitted to make such requests directly to consumer reporting agencies via secured electronic mail. |
Background
on Credit Freeze
If you are a resident of New Jersey, you have had the right as of
January 1, 2006 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.
