New Chauncey, did you know….??
Freeze & Thaw Credit Report for FREE
As of January 1, 2009, everyone in West Lafayette and in fact throughout the Hoosier State will be able to "freeze" and "thaw" their credit reports by telephone, Internet, email or regular mail.
Best of all thanks to Indiana's unique state law, all of the methods are completely FREE.
The law, sponsored by State Representative Joe Micon and strongly supported by the Indiana AARP, originally went into effect on September 1, 2007. The telephone and online options become effective on January 1, 2009, and will make it much easier for all of us to protect ourselves from financial fraud.
This is an important step in protecting your credit and identity, as no legitimate business will extend credit without pulling a credit report.
By freezing your credit report, you can stop criminals from falsely obtaining credit in your name. Additionally, by law placing a freeze on your credit report cannot affect your credit rating.
Indiana's Security Freeze Law is based on a simple concept. It lets consumers freeze third-party access to their credit reports until and unless consumers want to "thaw" or release them. You can freeze or thaw your report as frequently as needed and the credit bureaus must, as of January 1st, freeze or thaw your report within 15 minutes of receiving your request - at no charge.
For additional details and contact information, please visit the State of Indiana web site
Source: State of Indiana, AARP Bulletin, December 2008
