Credit Freeze

Georgia's credit freeze law

Georgia's credit freeze law provides Georgia consumers with the ability to place a freeze on their credit file for free with each of the three major credit-reporting agencies: Equifax, Experian and TransUnion. Each temporary lift – commonly called a “thaw” – to allow access to the consumer’s credit file is also free, and is available electronically within 15 minutes of request, keeping on-the-spot credit an option for shoppers. 

A credit freeze can be a powerful weapon against identity theft. When a freeze is in place, credit reporting agencies may not release the consumer’s credit report or credit score unless the consumer first removes the freeze by providing his password. Most lenders and creditors rely on access to a consumer’s credit file to determine his credit worthiness. By denying such access, a credit freeze makes it very difficult for an identity thief to open an account in a victim’s name.

It should be noted that the law does give some companies access to reports despite a freeze such as insurance companies, existing creditors and law enforcement agencies.

To place a credit freeze on your file, consumers must contact the credit reporting agencies:

Experian Security Freeze
P.O. Box 9554
Allen, TX 75013

Equifax Security Freeze
P.O. Box 105788 
Atlanta, GA 30348 

TransUnion LLC
P.O. Box 2000
Chester, PA 19022-2000

The request must include identifying information:

  • Full name (and former name if applicable)
  • Current Address and former address if it changed in the last 5 years
  • Social Security number
  • Date of birth
  • Photocopy of a driver’s license, state ID card or other government-issued identification
  • Proof of current residence, such as a copy of a phone or utility bill
  • If you are a victim of identity theft, include a copy of either the police report; investigative report, or complaint to a law enforcement agency concerning identity theft;
  • If you are not a victim of identity theft and are under age 65, include payment in the amount of $3.00 by check, money order or credit card (Visa, Master Card, American Express, or Discover cards only.) Do not send cash in the mail.