A “credit freeze," also known as a “security freeze," completely blocks the information on your credit report from would-be creditors. A credit 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 might not be able to get credit in your name. Maryland consumers may place a freeze on their credit reports from all three credit reporting agencies, free of charge. Credit freezes may also be lifted, known as a “thaw," free of charge.
To place a credit freeze, send a request to each of the three credit reporting agencies. You will need to include your personal information, as described below.
Equifax Security Freeze (Sample) P.O. Box 105788 Atlanta, GA 30348 1-888-298-0045
Equifax Incapacitated Adult Freeze Request Form https://assets.equifax.com/assets/personal/Incapacitated_Adult_Freeze_Request_Form.pdf
Equifax Minor Freeze Request Form https://assets.equifax.com/assets/personal/Minor_Freeze_Request_Form.pdf
Experian Security Freeze (Sample) P. O. Box 9554 Allen, TX 75013 1-888-397-3742
Experian Minor Credit Freeze (Sample)
TransUnion Security Freeze (Sample) P. O. Box 160Woodlyn, PA 19094 1-888-909-8872
TransUnion Minor Credit Freeze (Sample)
You can also find more information about each credit reporting agency's freeze program at their websites:
While a credit freeze can provide important protection against identity theft, a credit freeze may not be for everyone. If you plan to open credit in the near future, or apply for an apartment or a job that will require your credit report to be checked, you will need to lift the freeze.
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