TAILIEUCHUNG - How to “Freeze” Your Credit Files

Given the low welfare of nonsophisticated borrowers in the unrestricted market, we turn to identifying welfare-improving interventions. Because in a restricted market borrowers have the option of paying a small fee for deferring a small amount of repayment, nonsophisticated but nottoo- naïve borrowers do not drastically mispredict their future behavior, and hence have higher utility than in the unrestricted market. Since sophisticated borrowers achieve the highest possible utility in both markets, this means that a restricted market often Pareto dominates the unrestricted one. If many borrowers are very naïve, a restricted market can be combined with an interest-rate cap to try to limit borrowers’ misprediction and achieve. | CALIFORNIA OFFICE OF PRIVACY PROTECTION toll free fax CONSUMER INFORMATION SHEET 10 5 10 12 How to Freeze Your Credit Files If you live in California you have the right to put a security freeze on your credit file. A security freeze means that your 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 files are frozen even someone who has your name and Social Security number would probably not be able to get credit in your name. A security freeze is free to identity theft victims who have a police report of identity theft. If you are not an identity theft victim and you are under 65 years of age it will cost you 10 to place a freeze with each of the three credit bureaus. That is a total of 30 to freeze your files. If you are not an identity theft victim and you are 65 years of age or older it will cost you 5 to place a freeze with each of the three credit bureaus. That is a total of 15 to freeze your files. How do I place a security freeze To place a freeze you must contact each of the three credit bureaus. You can request the freeze by mail. See the sample letters at the end of this sheet for addresses and what information to include. You may also place the freeze online. Here are the freeze web pages for the credit bureaus. Note If these links do not work search security freeze on the credit bureau web sites. https https freeze http personal-credit credit-disputes If you are an identity theft victim provide a copy of your police report or DMV investigative report of identity theft. Otherwise if you are under 65 years of age provide payment of 10 to each of the credit bureaus if you are 65 years of age or older provide payment of 5 to each of the credit bureaus. Can I open .

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