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Protecting Yourself with Credit Reporting Agency Security Freezes – Now Free

Combating identity theft.

If you’re concerned about identity theft, those reported mega-data breaches, or someone gaining access to your credit report without your permission, you should consider placing a credit reporting agency security freeze on your credit report.

What is a security freeze?

A security freeze means that your credit report file cannot be shared with potential creditors. A security freeze can help prevent identity theft. Most businesses will not open credit accounts without first checking a consumer’s credit history. If your credit report files are frozen, even someone who has your name and Social Security number would probably not be able to obtain credit in your name.

How do I place a freeze on my credit reports?

Act 22 of the 2018 Legislative Session recently amended the Hawaii law governing security freezes to allow Hawaii residents, including children under 16, to request a security freeze without being charged a fee. Additionally, effective in September 2018, a new federal law, the Economic Growth, Regulatory Relief, and Consumer Act, will extend the right to obtain a free credit freeze to the rest of the country.  To place a security freeze, consumers and guardians of protected consumers, must request one from each of the credit reporting agencies – Equifax, Experian, and TransUnion. The request can be made by mail, online, and telephone.

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