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Ch. 307
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2007 Laws of Maryland
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(3) THE THE PROPER INFORMATION REGARDING THE PERSON
WHO IS TO RECEIVE THE CREDIT CONSUMER CREDIT REPORT OR THE PERIOD
OF TIME FOR WHICH THE CREDIT CONSUMER CREDIT REPORT IS TO BE
AVAILABLE TO USERS OF THE CREDIT CONSUMER CREDIT REPORT.
A CONSUMER REPORTING AGENCY MUST COMPLY WITH a REQUEST TO
TEMPORARILY LIFT OR REMOVE A SECURITY FREEZE ON A CREDIT CONSUMER
CREDIT REPORT WITHIN 3 BUSINESS DAYS after the REQUEST IS RECEIVED,
OR WITHIN 15 MINUTES STARTING JANUARY 31, 2009, FOR CERTAIN REQUESTS.
AFTER JANUARY 31, 2009, A CONSUMER REPORTING AGENCY MUST COMPLY
WITH A REQUEST TO TEMPORARILY LIFT A SECURITY FREEZE ON A CONSUMER
REPORT WITHIN 15 MINUTES AFTER A REQUEST IS RECEIVED BY THE
CONSUMER REPORTING AGENCY UNDER CERTAIN CIRCUMSTANCES SPECIFIED
IN LAW A CONSUMER REPORTING AGENCY MUST COMPLY WITH A REQUEST TO
REMOVE A SECURITY FREEZE ON A CREDIT REPORT WITHIN 3 BUSINESS DAYS
AFTER THE REQUEST IS RECEIVED.
IF YOU ARE ACTIVELY SEEKING CREDIT, YOU SHOULD BE AWARE THAT
THE PROCEDURES INVOLVED in LIFTING A SECURITY FREEZE may SLOW YOUR
OWN APPLICATIONS FOR CREDIT. YOU SHOULD plan AHEAD and lift A
SECURITY FREEZE, EITHER COMPLETELY IF YOU ARE SEEKING CREDIT FROM A
NUMBER OF SOURCES, OR JUST FOR A SPECIFIC CREDITOR if YOU ARE
APPLYING ONLY TO THAT CREDITOR, A FEW DAYS BEFORE ACTUALLY APPLYING
FOR NEW CREDIT.
A CONSUMER REPORTING AGENCY MAY CHARGE A REASONABLE FEE NOT
EXCEEDING $10 $5 FOR EACH PLACEMENT, TEMPORARY LIFT, OR REMOVAL OF
A SECURITY FREEZE. A CONSUMER REPORTING AGENCY MAY CHARGE AN
ADDITIONAL REASONABLE FEE NOT EXCEEDING $5 FOR A TEMPORARY LIFT OF
A SECURITY FREEZE MADE WITHIN 15 MINUTES AFTER A REQUEST IS RECEIVED,
HOWEVER, A CONSUMER REPORTING AGENCY MAY NOT CHARGE A ANY FEE TO A
CONSUMER WHO, AT THE TIME OF A REQUEST TO PLACE, TEMPORARILY LIFT,
OR REMOVE A SECURITY FREEZE, PRESENTS TO THE CONSUMER REPORTING
AGENCY A POLICE REPORT ALLEGING THAT THE CONSUMER IS A VICTIM OF
IDENTITY THEFT OF ALLEGED IDENTITY FRAUD AGAINST THE CONSUMER OR AN
IDENTITY THEFT PASSPORT.
A SECURITY FREEZE DOES NOT APPLY IF YOU HAVE AN EXISTING
ACCOUNT RELATIONSHIP AND A COPY OF YOUR CREDIT CONSUMER credit
REPORT IS REQUESTED BY YOUR EXISTING CREDITOR OR ITS AGENTS OR
AFFILIATES FOR CERTAIN TYPES OF ACCOUNT REVIEW, COLLECTION, FRAUD
CONTROL, OR SIMILAR ACTIVITIES. ACTIVITIES."
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- 1976 -
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