The following is summarized from “Public Act No.
05-148: An Act Requiring Consumer Credit Bureaus
to Offer Security Freezes”(http://www.cga.ct.gov/2005/act/Pa/2005PA-00148-R00SB-00650-PA.htm)
posted on the Connecticut General Assembly website
and “Security Freeze Information" (http://www.consumersunion.org/pdf/security/securityCT.pdf)
posted on the Consumers Union website.
WHAT IS THE SECURITY FREEZE LAW?
Effective January 1, 2006, Connecticut residents
can request that a “security freeze” be placed on
their credit reports by a credit rating agency.
The purpose of the security freeze is to prevent
access to the credit report by anyone without
authorization by the consumer. This can help
prevent the consumer from identity theft, even if
someone has their name and Social Security number.
A security freeze would also forbid credit rating
agencies from releasing any information from the
credit report without permission from the
HOW DO I PUT A SECURITY FREEZE ON MY
In order to put a security freeze notice on your
credit report, you must write to each of the three
credit rating agencies: Equifax, Experian and
TransUnion. Send a certified letter to each of the
- Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348
- Experian Security Freeze
P.O. Box 9554
Allen, TX 75013
- TransUnion Security Freeze
P.O. Box 6790
Fullerton, CA 92834-6790
Include your full name, address, Social Security
number, proof of address (such as phone or utility
bill), photocopy of a government issued
identification card (driver’s license or ID card,
military ID, etc.) and payment.
Once the credit rating agencies receive your
letter, they must put a security freeze on your
credit report within five business days. A written
confirmation letter will be sent within ten
business days that includes a personal
identification number (PIN) to permit you to grant
authorization to your credit report to a third
party or for a specific period of time.
IS THERE A FEE?
There is a $10 fee for each credit rating agency
to place a security freeze on your credit report.
WHAT IF I NEED TO REMOVE THE SECURITY
A security freeze can be temporarily lifted or
permanently removed from a credit report for a $10
fee. There is a $12 fee if the freeze needs to be
lifted for a specific party.
TO FIND PROVIDERS IN CONNECTICUT’S
COMMUNITY RESOURCES DATABASE:
Search by agency name:
SOURCES: Connecticut General Assembly
website; Consumers Union website
PREPARED BY: 211/pt
CONTENT LAST REVIEWED: April2013