New Law Oct. 1st: Freeze Your Credit For Free

Starting the 1st of the month, a new law will help you protect yourself from identity theft by allowing you to freeze your credit…for free.

This is part of a new law that also requires paid credit monitoring services to tell consumers how they can check their credit report for free, beefs up security breach reporting requirements, allows removal of personal financial information from local government websites, and protects crime victims from debts caused by criminals.

Please….do NOT fall for ‘paid credit report’ scams…they are all over the internet. You can request a copy of your report for free once per year from any of the three nationwide credit bureaus. Go to: or call 1-877-322-8228.  Under North Carolina law, credit monitoring services are required to tell you how you can get credit reports for free.

 If your identity is stolen, your credit score is likely to go screwy as someone else spends on your dime (and name). To keep track of your credit during the year, request a free report from a different credit bureau every four months. (You will have to pay for additional copies)

If you need a security freeze…contact one of the bureau’s websites (have your social security number, address and date of birth info. on hand). Links to the credit bureaus’ websites are available at, along with detailed information about how to sign up for security freezes and how to lift one when you need to take out credit (also free). Consumers can lift their security freezes online for free as well.

If you dont have the internet (in which case…you wouldn’t be reading this right now….but YOU all can pass this on to those who DON’T)…and are over the age of 62 (sorry young internet-less folks!) request a freeze by mail or telephone for $3 per bureau.

Placing security freezes on your credit prevents an identity thief from opening new accounts or taking out credit cards and loans in your name. Once a security freeze is in place, the credit bureau won’t release information from your credit file until or unless you lift the freeze. The new law also makes North Carolina the first state in the nation to require credit monitoring services to tell consumers how they can get credit reports for free.

Nearly 1.7 million North Carolina consumers have had their personal information compromised due to 329 reported security breaches since 2005.


Thanks to Attorney General Roy Cooper’s office for sending this info. along….


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