TAILIEUCHUNG - Placing a Security Freeze on Your Credit Report

If a violation does occur, enforcement action may be taken by law enforcement or through the civil court system. Law enforcement officers may be able to assist you by treating your order as if it were issued in their jurisdiction. Depending on the laws and policies of that jurisdiction, officers may be allowed to pick up children, or even arrest for violation of the custody provision in your protection order. An advocate will be able to give you information regarding the law enforcement response in the jurisdiction. You may also ask the civil court system to enforce your protection order. To do so, file papers with the local court describing how the custody provision of. | Placing a Security Freeze on Your Credit Report Any consumer in Illinois may place a security freeze on his or her credit report by requesting one in writing by certified mail to the credit reporting agency. A security freeze prohibits with certain exceptions the credit reporting agency from releasing the consumer s credit report or any information from it without the consumer s express authorization. The credit reporting agency may charge up to 10 each time it places removes or temporarily lifts a security freeze. Senior citizens 65 years of age and older will not be charged to place or permanently lift the security freeze but may be charged up to 10 for each temporary lifting of a freeze. Victims of identity theft will not be charged any fees for placing removing or temporarily lifting a security freeze. HOW TO FREEZE YOUR CREDIT FILES A security freeze means that your credit file cannot be shared with potential creditors. A security freeze can help prevent identity theft because 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 probably will not be able to obtain credit in your name. How do I place a security freeze To place a freeze you must write to each of the three credit bureaus. Credit bureaus charge a 10 fee to place a security freeze unless you are at least 65 years old in which case there is no fee. Victims of identity theft will not be charged a fee to place the freeze. Write to all three addresses below and include the information that follows Equifax Security Freeze . Box 105788 Atlanta GA 30348 Experian Security Freeze . Box 9554 Allen TX 75013 Trans Union Security Freeze . 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 the police report investigative report or complaint to a law enforcement agency

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