Credit Freeze Applications Process By State
Overview
Forty-six states and the District of Columbia have enacted laws requiring the credit bureaus to enable consumers to protect their credit files with a security freeze.
Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Indiana, Illinois, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, West Virginia, Wisconsin, Wyoming
Credit Freezes Are Now Available In All Other States
Starting November 1, 2007, the security freeze has been be offered voluntarily by Equifax, Experian, and TransUnion to consumers living in the states that have not yet adopted security freeze laws (Alabama, Iowa, Michigan, Missouri.) The freeze also will be available to all consumers in the four states with laws that limit this protection to identity theft victims only (Arkansas, Kansas, Mississippi, and South Dakota). As noted below, in order to effectively freeze access to your credit files, you must request the credit freeze at each three major credit bureaus.
Note: In order to freeze your credit, you are required to submit an application to all three national credit bureaus—TransUnion, Equifax and Experian—per the instructions for your state of residence. Right now (unlike in the fraud alert situation), freezing your credit at one credit bureau will not stop an identity theft who attempts to take out credit in your name at one of the other two credit bureaus.
Alabama
Alabama has not passed a credit freeze law. However, as of November 1, 2007, Equifax, Experian, and TransUnion all made the freeze available voluntarily to Alabama residents.
Eligibility: All Consumers
Fees: No fee for identity theft victims. All others pay $10 to place,
temporarily lift, or remove the freeze altogether.
Effective date: November 1, 2007 at all three major credit reporting agencies
Credit
freeze Instructions for Equifax
Credit
freeze Instructions for Experian
Credit
freeze Instructions for TransUnion
Alaska
Alaska has not passed a credit freeze law. However, as of November 1, 2007, Equifax, Experian, and TransUnion all made the freeze available voluntarily to Alaska residents. In order to effectively freeze access to your credit files, you must request the credit freeze at all three major credit bureaus.
Eligibility: All Consumers
Fees: No fee for identity theft victims. All others pay $10 to place,
temporarily lift, or remove the freeze altogether.
Effective date: November 1, 2007 at all three major credit reporting agencies
Credit
freeze Instructions for Equifax
Credit
freeze Instructions for Experian
Credit
freeze Instructions for TransUnion
Arizona (credit freeze established by state law)
Eligibility: All consumers.
Fees: No fees for identity theft victims with police reports. All others pay a
$5 fee to place the freeze, lift it temporarily, or remove it altogether. $5
PIN replacement fee.
Effective date of the law: August 31, 2008
Copy
of Arizona’s security freeze law
Instructions
for using Arizona's security freeze law
Before August 31, 2008, you may use the voluntary program.
Security
Freeze Instructions for Equifax
Security
Freeze Instructions for Experian
Security
Freeze Instructions for TransUnion
Arkansas (credit freeze rights for identity theft victims established by state law)
Eligibility: Identity theft victims. As
of November 1, 2007, the credit freeze is offered by all three major credit
bureaus voluntarily to all consumers.
Fees: $10 to place the freeze, lift it temporarily, or remove it altogether
Effective date of the law: January 1, 2008
Permanent freeze remains until removal requested by consumer.
Copy
of Arkansas’ credit freeze law
Instructions
for using Arkansas’ credit freeze law
California (credit freeze rights established by state law)
Eligibility: All consumers
Fees: No fee for identity theft victims. All others pay $10 to place,
temporarily lift or remove the freeze; $12 fee to temporarily lift the freeze
for a specific creditor.
Effective date of the law: January 1, 2003
Permanent freeze remains until removal requested by consumer.
Copy
of California’s credit freeze law
Instructions
for using California’s credit freeze law
Colorado (credit freeze rights established by state law)
Eligibility: All consumers
Fees: No fee for the first freeze; $10 to lift the freeze temporarily, or to
remove it altogether. $12 to temporarily lift the freeze for a specific
creditor; $10 to place a second freeze.
Effective date of the law: July 1, 2006
Permanent freeze remains until removal requested by consumer.
Copy
of Colorado’s credit freeze law
Instructions
for using Colorado’s credit freeze law from the Colorado Attorney General
Instructions
for using Colorado’s credit freeze law
Connecticut (credit freeze rights established by state law)
Eligibility: All consumers
Fees: $10 to place the freeze, lift it temporarily, or remove it altogether;
$12 to lift it temporarily for a specific creditor
Effective date of the law: January 1, 2006
Permanent freeze remains until removal requested by consumer.
Copy
of Connecticut’s credit freeze law
Instructions
for using Connecticut’s credit freeze law
Delaware (credit freeze rights established by state law)
Eligibility: All consumers.
Fees: No fee for identity theft victims. All others pay $20 to place the
freeze, but no fees to lift it temporarily, or remove it altogether.
Effective date of the law: September 28, 2006
Permanent freeze remains until removal requested by consumer.
Copy of
Delaware’s credit freeze law
Instructions
for using Delaware’s credit freeze law
District of Columbia (credit freeze rights established by D.C. law)
Eligibility: All consumers
Fees: No fees for identity theft victims. All others pay $10 to place the
freeze, but no fees to lift it temporarily, or remove it altogether.
Effective date of the law: July 1, 2007
Permanent freeze remains until removal requested by consumer.
Copy
of the District of Columbia’s credit freeze law
Instructions
for using the District of Columbia’s credit freeze law
Florida (credit freeze rights established by state law)
Eligibility: All consumers.
Fees: No fees for identity theft victims and seniors 65 years and older. All
others pay $10 to place the freeze, lift it temporarily, or remove it
altogether.
Effective date of the law: July 1, 2006
Permanent freeze remains until removal requested by consumer.
Copy
of Florida’s credit freeze law
Instructions
for using Florida’s credit freeze law
Georgia (credit freeze law becomes mandatory August 1, 2008)
Fees: No fees for identity theft victims with police reports. No
fee for placement of the freeze for seniors 65 or older. All others pay a $3
fee to place the freeze, lift it temporarily, or remove it altogether.
Effective date of the law: August 1, 2008
Permanent freeze remains until removal requested by consumer.
Copy
of Georgia’s security freeze law
Instructions
for using Georgia's security freeze law
Before August 1, 2008, you may use the voluntary program.
Security
Freeze Instructions for Equifax
Security
Freeze Instructions for Experian
Security
Freeze Instructions for TransUnion
Hawaii (credit freeze rights established by state law)
Eligibility: All consumers.
Fees: No fees for identity theft victims. All others pay $5 to place the
freeze, lift it temporarily, or remove it altogether.
Effective date of the law: Original law limited to identity theft victims was
effective January 1, 2007. All consumers became eligible for the credit freeze
on June 15, 2007.
Permanent freeze remains until removal requested by consumer.
Copy
of Hawaii’s credit freeze law
Instructions
for using Hawaii’s credit freeze law
Idaho (credit freeze law becomes mandatory July 1, 2008)
Eligibility: All consumers.
Fees: No fees for identity theft victims with police reports. All others pay a
$6 fee to place the freeze, lift it temporarily, or remove it altogether. $10
PIN replacement fee.
Effective date of the law: July 1, 2008
Permanent freeze remains until removal requested by consumer.
Copy
of Idaho’s credit freeze law
Instructions
for using Idaho's credit freeze law
Until July 1, 2008, you may use the voluntary program.
Credit
Freeze Instructions for Equifax
Credit
Freeze Instructions for Experian
Credit
Freeze Instructions for TransUnion
Illinois (credit freeze rights established by state law)
Eligibility: All consumers.
Fees: No fees for identity theft victims with police reports and seniors 65
years and older. All others pay a $10 fee to place the freeze, lift it
temporarily, or remove it altogether.
Effective date of the law: January 1, 2007
Permanent freeze remains until removal requested by consumer.
Copy
of Illinois’ credit freeze law
Instructions
for using Illinois’ credit freeze law
Indiana (credit freeze rights established by state law)
Eligibility: All consumers
Fees: No fee to place the freeze, lift it temporarily, or remove it altogether.
Effective date of the law: September 1, 2007
Permanent freeze remains until removal requested by consumer.
Copy of
Indiana’s credit freeze law
Instructions
for using Indiana’s credit freeze law
Iowa
Iowa has not passed a credit freeze law. However, as of November 1, 2007, Equifax, Experian, and TransUnion made the freeze available voluntarily to Iowa residents. In order to effectively freeze access to your credit files, you must request the credit freeze at all three major credit bureaus.
Eligibility: All Consumers
Fees: No fee for identity theft victims. All others pay $10 to place,
temporarily lift, or remove the freeze altogether.
Effective date: November 1, 2007 at all three major credit reporting agencies
Credit
freeze Instructions for Equifax
Credit
freeze Instructions for Experian
Credit
freeze Instructions for TransUnion
Kansas (credit freeze rights for identity theft victims
established by state law)
Eligibility: Identity theft victims
only. As of November 1, 2007, the credit freeze option is offered by all three
major credit bureaus voluntarily to all consumers.
Fees: No fees permitted by law for identity theft victims. All others pay $10
to place, temporarily lift, or remove the freeze altogether.
Effective date of the law: January 1, 2007
Permanent freeze remains until removal requested by consumer.
Copy of Kansas’
credit freeze law
Instructions
for using Kansas’ credit freeze law
Kentucky (credit freeze rights established by state law)
Eligibility: All consumers
Fees: No fees for identity theft victims who provide a police report. All
others pay $10 to place the freeze, lift it temporarily, or remove it
altogether. $10 to have PIN reissued.
Effective date of the law: July 11, 2006
Note: Credit freeze automatically expires after 7 years from date of placement.
Copy of Kentucky’s
credit freeze law
Instructions
for using Kentucky’s credit freeze law
Louisiana (credit freeze rights established by state law)
Eligibility: All consumers
Fees: No fees for identity theft victims or person aged 62 years and older. All
others pay $10 to place the freeze, or $8 to lift it temporarily. No fee to
remove the freeze altogether.
Effective date of the law: July 1, 2005
Permanent freeze remains until removal requested by consumer.
Copy
of Louisiana’s credit freeze law
Instructions
for using Louisiana’s credit freeze law
Maine (credit freeze rights established by state law)
Eligibility: All consumers
Fees: No fees for identity theft victims who provide a police report. All
others pay up to $10 to place the freeze, lift it temporarily, or remove it
altogether. $10 to have PIN reissued, and $12 to lift the freeze temporarily
for a specific creditor.
Effective date of the law: February 1, 2006
Permanent freeze remains until removal requested by consumer.
Copy
of Maine’s credit freeze law
Instructions
for using Maine’s credit freeze law
Maryland (credit freeze rights established by state law)
Eligibility: All consumers
Fees: No fees for identity theft victims who provide report of alleged identity
fraud or with an identity theft passport. All others pay $5 to place the
freeze, lift it temporarily, or remove it altogether.
Effective date of the law: January 1, 2008
Permanent freeze remains until removal requested by consumer.
Copy of
Maryland’s credit freeze law
Instructions
for using Maryland’s credit freeze law
Massachusetts (credit freeze rights established by state law)
Eligibility: All consumers.
Fees: No fee for identity theft victims or victim's spouse. $5 to place the
freeze, lift it temporarily, or remove it altogether
Effective date of the law: February 3, 2008
Permanent freeze remains until removal requested by consumer.
Copy
of Massachusetts’ credit freeze law
Instructions
for using Massachusetts’ credit freeze law
Michigan
Michigan has not passed a credit freeze law. However, as of November 1, 2007, Equifax, Experian, and TransUnion made the freeze available voluntarily to Michigan residents. In order to effectively freeze access to your credit files, you must request the credit freeze at all three major credit bureaus.
Eligibility: All Consumers
Fees: No fee for identity theft victims. All others pay $10 to place,
temporarily lift, or remove the freeze altogether.
Effective date: November 1, 2007 at all three major credit reporting agencies
Credit
freeze Instructions for Equifax
Credit
freeze Instructions for Experian
Credit
freeze Instructions for TransUnion
Minnesota (credit freeze rights established by state law)
Eligibility: All consumers.
Fees: No fees for identity theft victims who provide police report. All others
pay $5 to place the freeze, lift it temporarily, or remove it altogether.
Effective date of the law: August 1, 2006
Permanent freeze remains until removal requested by consumer.
Copy
of Minnesota’s credit freeze law
Instructions
for using Minnesota’s credit freeze law
Mississippi (credit freeze rights for identity theft victims established by state law)
Eligibility: Identity theft victims
with a police report, investigative report or complaint filed with a law
enforcement agency. As of November 1, 2007, the credit freeze option is
available by all three major credit bureaus voluntarily to all consumers in
Mississippi.
Fees: $10 to place a freeze for identity theft victims. All others pay $10 to
place, temporarily lift, or remove the freeze altogether.
Effective date of the law: July 1, 2007
Permanent freeze remains until removal requested by consumer.
Copy
of Mississippi’s credit freeze law
Instructions
for using Mississippi’s credit freeze law
Missouri
Missouri has not passed a credit freeze law. However, as of November 1, 2007, Equifax, Experian, and TransUnion made the freeze available voluntarily to Missouri residents. In order to effectively freeze access to your credit files, you must request the credit freeze at all three major credit bureaus.
Eligibility: All Consumers
Fees: No fee for identity theft victims. All others pay $10 to place,
temporarily lift, or remove the freeze altogether.
Effective date: November 1, 2007 at all three major credit reporting agencies
Credit
freeze Instructions for Equifax
Credit
freeze Instructions for Experian
Credit
freeze Instructions for TransUnion
Montana (credit freeze rights established by state law)
Eligibility: All consumers.
Fees: No fees for identity theft victims. All others pay $3 to place the freeze
or to lift it temporarily. $5 to have PIN reissued. No fee to remove the freeze
altogether.
Effective date of the law: July 1, 2007
Copy of
Montana’s credit freeze law
Instructions
for using Montana’s credit freeze law from Montana’s Department of Justice
Instructions
for using Montana’s credit freeze law
Nebraska (credit freeze rights established by state law)
Eligibility: All consumers.
Fees: No fees for identity theft victims and minors. All others pay a one time
$15 fee to place the freeze. No fee for lifting the freeze temporarily or
removing it altogether.
Effective: September 1, 2007
Note: Credit freeze automatically expires after 7 years from date of placement.
Copy
of Nebraska’s credit freeze law
Instructions
for using Nebraska’s credit freeze law
Nevada (credit freeze rights established by state law)
Eligibility: All consumers
Fees: No fees for identity theft victims who submit a police report. All others
pay $15 to place the freeze, $18 to lift it temporarily or remove it
altogether. $20 to lift it temporarily for a specific creditor.
Effective date of the law: October 1, 2005
Permanent freeze remains until removal requested by consumer.
Copy
of Nevada’s credit freeze law
Instructions
for using Nevada’s credit freeze law
New Hampshire (credit freeze rights established by state law)
Eligibility: All consumers
Fees: No fees for identity theft victims who submit a copy of a police report,
investigative
report, or complaint to a law enforcement agency. All others pay $10 to place
the freeze, lift it temporarily, or remove it altogether.
Effective date of the law: January 1, 2007
Copy
of New Hampshire’s credit freeze law
Instructions
for using New Hampshire’s credit freeze law
New Jersey (credit freeze rights established by state law)
Eligibility: All consumers
Fees: No fee to place the first credit freeze. $5 fee to lift the freeze
temporarily, remove it altogether, or to have PIN reissued.
Note: Consumers are also permitted to make such requests directly to consumer
reporting
agencies via secured electronic mail.
Effective date of the law: January 1, 2006
Permanent freeze remains until removal requested by consumer.
Copy of
New Jersey’s credit freeze law
Instructions for
using New Jersey’s credit freeze law from NJ’s Dept of Banking and Insurance
New Mexico (credit freeze rights established by state law)
Eligibility: All consumers.
Fees: No fees for identity theft victims with a copy of police or investigative
report
and for residents over 65 years of age. All others pay $10 to place a freeze
and $5 to lift it temporarily or remove it altogether.
Effective date of the law: July 1, 2007
Permanent freeze remains until removal requested by consumer.
Copy
of New Mexico’s credit freeze law
Instructions
for using New Mexico’s credit freeze law
New York (credit freeze rights established by state law)
Eligibility: All consumers.
Fees: No fees for identity theft victims. All others can place the freeze for
free the first time it is used. These consumers pay $5 to lift it temporarily
or remove it altogether. If they wish to re-start the freeze after it is
removed, they pay a $5 fee.
Effective date of the law: November 1, 2006
Permanent freeze remains until removal requested by consumer.
Copy
of New York’s credit freeze law
Instructions
for using New York’s credit freeze law
North Carolina (credit freeze rights established by state law)
Eligibility: All Consumers
Fees: No fees for identity theft victims with a valid report or complaint with
a law enforcement agency. All others pay $10 to place the freeze, lift it
temporarily, or remove it altogether.
Effective date of the law: December 1, 2005
Permanent freeze remains until removal requested by consumer.
Copy
of North Carolina’s credit freeze law
Instructions
for using North Carolina’s credit freeze law from NC’s Attorney General
North Dakota (credit freeze rights established by state law)
Eligibility: All consumers.
Fees: No fees for identity theft victims with valid copy of a police report or
police case number documenting the investigative report or complaint to law
enforcement agency. All others pay $5 to place or lift the freeze. No fee for
removing freeze.
Effective date of the law: July 1, 2007
Copy
of North Dakota’s credit freeze law
Instructions
for using North Dakota’s credit freeze law
Ohio (security freeze rights established by state law)
Eligibility: All consumers.
Fees: No fee for identity theft victims. All others pay $5 to place the freeze,
temporarily lift, or remove the freeze altogether.
Effective date of the law: September 1, 2008 for the security freeze provisions.
Permanent freeze remains until removal requested by consumer.
Copy
of Ohio's security freeze law
Oklahoma (credit freeze rights established by state law)
Eligibility: All consumers.
Fees: No fees for identity theft victims with investigative report or for
seniors aged 65 years and older. All others pay $10 to place the freeze, lift
it temporarily, or remove it altogether.
Effective date of the law: January 1, 2007
Permanent freeze remains until removal requested by consumer.
Copy
of Oklahoma’s credit freeze law
Instructions
for using Oklahoma’s credit freeze law
Oregon (credit freeze rights established by state law)
Eligibility: All consumers
Fees: No fee for identity theft victims. $10 to place the freeze, lift it
temporarily, or remove it altogether
Effective date of the law: October 1, 2007
Permanent freeze remains until removal requested by consumer.
Copy
of Oregon’s credit freeze law
Instructions
for using Oregon's credit freeze law
Pennsylvania (credit freeze rights established by state law)
Eligibility: All consumers.
Fees: No fees for identity theft victims or seniors aged 65 and older. All
others pay $10 to place the freeze or to lift it temporarily. No fee to remove
the freeze.
Note: Credit freeze automatically expires after 7 years from date of placement.
Effective date of the law: January 1, 2007
Copy
of Pennsylvania’s credit freeze law
Instructions
for using Pennsylvania’s credit freeze law
Rhode Island (credit freeze rights established by state law)
Eligibility: All consumers.
Fees: No fees for identity theft victims or seniors aged 65 years and older.
All others pay $10 to place the freeze, lift it temporarily, or remove it
altogether.
Effective date of the law: January 1, 2007
Permanent freeze remains until removal requested by consumer.
Copy
of Rhode Island’s credit freeze law
Instructions
for using Rhode Island’s credit freeze law
South Carolina (credit freeze established by state law)
Eligibility: All consumers.
Fees: None.
Effective date of the law: December 31, 2008
Permanent freeze remains until removal requested by consumer.
Copy
of South Carolina’s security freeze law
Instructions
for using South Carolina's security freeze law
Until December 31, 2008, you may use the voluntary program.
Credit
freeze Instructions for Equifax
Credit
freeze Instructions for Experian
Credit
freeze Instructions for TransUnion
South Dakota (credit freeze rights for identity theft victims established by state law)
Eligibility: Identity theft victims
with a valid police report. As of November 1, 2007, the credit freeze is
offered by all three major credit bureaus voluntarily to all consumers.
Fees: No fees permitted by law for identity theft victims. All others pay $10
to place, temporarily lift, or remove the freeze altogether.
Note: Only freezes credit report and automatically expires after 7 years from
date of placement
Effective date of the law: July 1, 2006
Copy of
South Dakota’s credit freeze law
Instructions
for using South Dakota’s credit freeze law
Tennessee (credit freeze rights established by state law)
Eligibility: All consumers.
Fees: No fees for identity theft victims. All others pay $7.50 to place the
freeze, no fee to lift it temporarily, and $5 to remove it altogether.
Effective date of the law: January 1, 2008
Permanent freeze remains until removal requested by consumer.
Copy of Tennessee’s credit freeze law
Instructions for using Tennessee’s credit freeze law
Copy
of Tennessee’s credit freeze law
Instructions
for using Tennessee’s credit freeze law
Texas (credit freeze rights established by state law)
Eligibility: All consumers.
Fees: No fees for identity theft victims. All other consumers pay $10 to place
the freeze, lift it temporarily, or to remove it altogether. $12 to lift the
freeze temporarily for a specific creditor.
Effective date of the law: September 1, 2003 for identity theft victims; September
1, 2007 for all consumers
Permanent freeze remains until removal requested by consumer.
Copy
of Texas’ credit freeze law
Instructions
for using Texas’ credit freeze law
Utah (credit freeze rights established by state law)
Eligibility: All consumers
Fees: Utah’s law allows credit bureaus to charge “reasonable fees,” without
specifying the amount that can be charged.
Note: Consumers will be able to temporarily lift or "thaw" the freeze
within 15 minutes of electronic request
Effective date of the law: September 1, 2008
Permanent freeze remains until removal requested by consumer.
Copy
of Utah’s credit freeze law
Instructions
for using Utah’s credit freeze law
Vermont (credit freeze rights established by state law)
Eligibility: All consumers.
Fees: No fees for identity theft victims. All others pay $10 to place the
freeze, $5 to lift it temporarily or remove it altogether.
Effective date of the law: July 1, 2006
Permanent freeze remains until removal requested by consumer.
Copy
of Vermont’s credit freeze law
Instructions for
using Vermont’s credit freeze law from VT’s Attorney General
Virginia
Virginia has not passed a credit freeze law. However, as of November 1, 2007, Equifax, Experian, and TransUnion made the freeze available voluntarily to Virginia residents. In order to effectively freeze access to your credit files, you must request the credit freeze at all three major credit bureaus.
Eligibility: All Consumers
Fees: No fee for identity theft victims. All others pay $10 to place,
temporarily lift, or remove the freeze altogether.
Effective date: November 1, 2007 at all three major credit reporting agencies
Credit
freeze Instructions for Equifax
Credit
freeze Instructions for Experian
Credit
freeze Instructions for TransUnion
Washington (credit freeze rights established by state law)
Eligibility: Currently applies to
identity theft victims, including persons who receive a notice of a security
breach of computerized personal information. Beginning September 1, 2008, all
consumers will be eligible for the freeze.
Fees: No fees for identity theft victims or seniors aged 65 years and older.
Once all other consumers become eligible in September 2008, they will pay $10
to place the freeze, lift it temporarily, or remove it altogether.
Effective date of the law: July 24, 2005 for identity theft victims; September 1,
2008 for all consumers
Permanent freeze remains until removal requested by consumer.
Copy
of Washington’s credit freeze law
Instructions
for using Washington’s credit freeze law from WA’s Attorney General
West Virginia (credit freeze rights established by state law)
Eligibility: All consumers.
Fees: No fees for identity theft victims. All others pay $5 to place the
freeze, lift it temporarily, or remove it altogether.
Effective date of the law: July 2, 2007
Permanent freeze remains until removal requested by consumer.
Copy
of West Virginia’s credit freeze law
Instructions
for using West Virginia’s credit freeze law
Wisconsin (credit freeze rights established by state law)
Eligibility: All consumers
Fees: No fee for an "individual who submits evidence satisfactory to the Credit
Reporting Agencies that the individual made a report to a law enforcement
agency.” All others pay $10 to place, temporarily lift, or remove the freeze
altogether.
Effective date of the law: January 1, 2007
Permanent freeze remains until removal requested by consumer.
Copy of
Wisconsin’s credit freeze law
Instructions
for using Wisconsin’s credit freeze law
Wyoming (credit freeze rights established by state law)
Eligibility: All consumers
Fees: No fees for identity theft victims. All others pay $10 to place the
freeze, lift it temporarily, or remove it altogether.
Note: Requires electronic and telephone methods to lift, imposes the 15 minute
lift timeframe starting September 1, 2008.
Effective date of the law: July 1, 2007
Permanent freeze remains until removal requested by consumer.
Copy of
Wyoming’s credit freeze law
Instructions
for using Wyoming’s credit freeze law