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Georgia Credit Freeze Update

By
Mortgage and Lending with Homeland Financial

As of August 1, 2008, Georgia consumers will have the ability to freeze their credit file with all three major credit bureaus. The cost of the freeze will be $3.00 per bureau with a total cost of $9.00 to place a freeze with all three bureaus, Equifax, Transunion, and Experian. There will be no charge for victims of identity fraud and senior citizens age 65 and older. Consumers will have the ability to unfreeze their credit file at any time and will have access to their credit file within 15 minutes of the request (in theory). However, there will be an additional cost of $3.00 each time a temporary lift or "thaw" is requested.

Georgia is one of only four states currently in the nation that allows for consumers to freeze and unfreeze their credit file on-line. Rest of the nation will have access to all three bureaus to initiate a freeze and unfreeze on-line by November 1, 2008.

You can initiate the credit freeze or thaw by contacting the following credit reporting agencies. The links provide direct links to credit freeze section of their web page.:

Experian Security Freeze
P.O. Box 9554
Allen, TX 75013
www.experian.com
1-888-397-3742

Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348
www.equifax.com
1-800-685-1111

TransUnion Security Freeze
P.O. Box 6790
Fullerton, CA 92834-6790
www.transunion.com
1-888-909-8872

Comments (3)

Chuck Carstensen
RE/MAX Results - Elk River, MN
Minnesota/Wisconsin Real Estate Expert

Interesting.  Never knew something like that was possible.

Sep 03, 2008 04:14 AM
Vickie Nagy
Coldwell Banker Residential Real Estate - Palm Springs, CA
Vickie Jean the Palm Springs Condo Queen

Interesting concept. Why don't you do a post on the pros and cons of freezing credit?

Sep 03, 2008 04:16 AM
Richard Halpern
Coldwell Banker Commercial NRT - Ellicott City, MD

Once this takes affect in November it will drastically cut into Identity Theft. In the meantime anyone can put a "fraud freeze" on their credit but it is harder to take it off.

Sep 03, 2008 04:55 AM