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Office of the Indiana Attorney General

Credit Freeze

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A credit freeze, also known as a security freeze, is a consumer right provided by Indiana law.  Placing a credit freeze on your credit reports can block an identity thief from opening a new account or obtaining credit in your name. A credit freeze keeps new creditors from accessing your credit report without your permission. If you activate a credit freeze, an identity thief cannot take out new credit in your name, even if the thief has your SSN or other personal information, because creditors cannot access your credit report.

Any Indiana resident can request a credit freeze free of charge. There is no fee for Indiana residents to place, temporarily lift, remove or request a new password or PIN.  To place a freeze, either use each credit agency's online process or send a letter by certified mail to each of the three credit agencies:

Equifax Credit freeze
P.O. Box 105788
Atlanta, GA 30348
Place a Credit freeze Online with Equifax 

Experian Credit freeze
P.O. Box 9554
Allen, TX 75013
Place a Credit freeze Online with Experian 

Trans Union Credit freeze
P.O. Box 2000
Chester, PA 19022
Place a Credit freeze Online with Trans Union

For each, you may be asked to provide:

  • Your full name (including middle initial as well as Jr., Sr., II, III, etc.,) address, SSN, and date of birth
  • If you have moved in the past five years, you will need the addresses where you have lived over the prior five years
  • Proof of current address such as a utility or phone bill (alternative options include a bank, insurance, or credit card statement listing your full name and address)
  • A photocopy of a government issued identification card (state driver’s license or ID card, military identification, etc.)

*Click here for sample letters to send to all three credit bureaus.

Frequently Asked Questions

Click here for an informational video on security freezes.

Protected Person Security Freeze

A new consumer protection law took effect July 1, part of an ongoing effort by Indiana Attorney General Greg Zoeller's office to help consumers protect themselves from identity theft and safeguard their credit.  Because identity thieves attempt to steal the information of individuals such as children who have clean credit history in order to assume their identities and perpetrate fraud, the new law offers a "protected consumer security freeze" that parents can use to protect their children from identity theft.  Below are links to each credit agency's online information. 

Equifax
http://bit.ly/1rIFEKY

Experian
https://www.experian.com/consumer/help/states/in.html

Transunion
http://www.transunion.com/