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A credit freeze, also known as a security freeze, is a consumer right provided by Indiana law. Placing a credit freeze on your credit reports can block an identity thief from opening a new account or obtaining credit in your name. A credit freeze keeps new creditors from accessing your credit report without your permission. If you activate a credit freeze, an identity thief cannot take out new credit in your name, even if the thief has your SSN or other personal information, because creditors cannot access your credit report.
Any Indiana resident can request a credit freeze free of charge. There is no fee for Indiana residents to place, temporarily lift, remove or request a new password or PIN. To place a freeze, either use each credit agency's online process or send a letter by certified mail to each of the three credit agencies:
Equifax Credit freeze
P.O. Box 105788
Atlanta, GA 30348
Place a Credit freeze Online with Equifax
Experian Credit freeze
P.O. Box 9554
Allen, TX 75013
Place a Credit freeze Online with Experian
Trans Union Credit freeze
P.O. Box 2000
Chester, PA 19022
Place a Credit freeze Online with Trans Union
For each, you may be asked to provide:
*Click here for sample letters to send to all three credit bureaus.
Click here for an informational video on security freezes.
A new consumer protection law took effect July 1, part of an ongoing effort by Indiana Attorney General Greg Zoeller's office to help consumers protect themselves from identity theft and safeguard their credit. Because identity thieves attempt to steal the information of individuals such as children who have clean credit history in order to assume their identities and perpetrate fraud, the new law offers a "protected consumer security freeze" that parents can use to protect their children from identity theft. Below are links to each credit agency's online information.