Congress just made credit freezes free

The new legislation will make placing, lifting, and permanently removing freezes free no matter where you live. It also requires consumer rating companies to fulfill your request within one business day if made online or over the phone, and within three business days if requested by mail.

The changes will take effect about four months after the bill is signed.

To set up your own credit freezes, go to the freeze page at each credit agency’s website individually: ExperianEquifax, and TransUnion. You will be given a PIN that you’ll need to lift or remove the freeze in the future.

If you suspect identity theft may have impacted your credit reports, you have important rights under federal and New York law.  Call our firm today!