South Dakota Credit Freeze Instructions
- How do I add a credit freeze?
To place a freeze, you must write to each of the three credit bureaus. You must provide identifying information, and proof that you are a victim of identity theft. A copy of your police report is required to show that you are a victim of identity theft.
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:
- Send a letter by certified mail
- If you are a victim of identity theft, you must include a copy of either an investigative report or complaint to a law enforcement agency concerning identity theft
- Provide your full name (including middle initial as well as Jr., Sr., II, III, etc.,) address, Social Security number, and date of birth
- If you have moved in the past 5 years, supply the addresses where you have lived over the prior 5 years
- Provide proof of current address such as a current utility bill or phone bill
- Send a photocopy of a government issued identification card (state driver’s license or ID card, military identification, etc.) July 1, 2006
- If applicable, include payment by check, money order or credit card (Visa, Master Card, American Express or Discover cards only.)
- How much will it cost?
- No fees for victims with a valid police report. For all other it is $10 to place, temporarily lift and remove the freeze. Note: Only freezes credit report, expires after 7 years from date of placement or upon consumer’s request, if earlier.
Background on Credit Freeze
If you are a resident of South Dakota, you have the right as of July 1, 2006 to place a security 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.