Cyber & IT Supervisory Forum - Additional Resources

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13 P ERSONAL C REDIT

Credit Freeze Overview Anyone can freeze their credit report, even if their identity has not been stolen. A credit freeze restricts access to your credit report, which means you, or threat actors, will not be able to open a new credit account while the freeze is in place. You can temporarily lift the credit freeze if you need to apply for new credit. When the freeze is in place, you will still be able to do things like apply for a job, rent an apartment, or buy insurance without lifting or removing it. A credit freeze lasts until you remove it. 294

Enabling A Credit Freeze To place a credit freeze, you must contact each of the three credit bureaus. You can request a credit free online or by mail.

13.2.1 Equifax Credit Freeze To enable a credit freeze for Equifax, you can click on the following URL . 295

13.2.2 Experian Credit Freeze To enable a credit freeze for Experian, you can click on the following URL . 296

13.2.3 TransUnion Credit Freeze To enable a credit freeze for TransUnion, you can click on the following URL . 297

13.2.4 List of US State Specific Rights For Credit Freezes If you want to view the US State’s specific rights you have, or place a security freeze on your file, select the State in which you live from the list below, follow the instructions, and supply the information needed: Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | District of Columbia | Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisia na | 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 | Puerto Rico | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin | Wyoming Fraud Alert Overview Fraud alerts are available in different situations and have different benefits. Anyone who suspects fraud can place a fraud alert on their credit report. A fraud alert will make it harder for someone to open a new credit account in your name. A business must verify your identity before it issues new credit in your name. When you place a fraud alert on your credit report, you can get a free copy of your credit report from each of the three credit bureaus. A fraud alert lasts one year. After a year, you can renew it. 298

13.3.1 Equifax Fraud Alert To enable a fraud alert for Equifax, you can click on the following URL . 299

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