Security Freeze Papers


The Federal Trade Commission estimates as many as 9 million Americans are victims of identity theft each year. Identity theft occurs when a thief obtains personal and/or financial information about you and then uses it without your knowledge to commit fraud or theft, like opening a credit card account in your name. A security freeze helps provide you with protection from identity theft because your credit bureau file cannot be shared with new potential creditors. Most businesses check a consumer’s credit history before opening any new credit accounts. With your security freeze in place, even someone with your name and Social Security number would probably not be able to get credit in your name.

Any consumer may place a “security freeze,” also known as a “file freeze,” on his or her credit report by making a request to each credit reporting agency. The request must also provide the credit reporting agency with sufficient identification information to establish the identity of the consumer. In Nevada, a security freeze is free to people who are 65 years of age and older. For all others placing a freeze, the cost is $10.00 per agency. To place a security freeze, please read the tips below and use the sample letters to complete your request.