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Ch. 308
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Martin O'Malley, Governor
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SECURITY FREEZE OR TEMPORARILY LIFT THE SECURITY FREEZE TO RELEASE
YOUR CREDIT REPORT TO A SPECIFIC PERSON OR FOR A SPECIFIC PERIOD OF
TIME. YOU ALSO WILL RECEIVE INFORMATION ON THE PROCEDURES FOR
REMOVING OR TEMPORARILY LIFTING A SECURITY FREEZE.
IF YOU WANT TO TEMPORARILY LIFT THE SECURITY FREEZE ON YOUR
CREDIT REPORT, YOU MUST CONTACT THE CONSUMER REPORTING AGENCY AND
PROVIDE ALL OF THE FOLLOWING:
(1) THE UNIQUE PERSONAL IDENTIFICATION NUMBER OR
PASSWORD PROVIDED BY THE CONSUMER REPORTING AGENCY;
(2) THE PROPER IDENTIFICATION IDENTIFYING INFORMATION TO
VERIFY YOUR IDENTITY; AND
(3) THE PROPER INFORMATION REGARDING THE PERSON WHO IS
TO RECEIVE THE CREDIT REPORT OR THE PERIOD OF TIME FOR WHICH THE
CREDIT REPORT IS TO BE AVAILABLE TO USERS OF THE CREDIT REPORT.
A CONSUMER REPORTING AGENCY MUST COMPLY WITH A REQUEST TO
TEMPORARILY LIFT A SECURITY FREEZE ON A CREDIT REPORT WITHIN 5 3
BUSINESS DAYS AFTER THE REQUEST IS RECEIVED, OR WITHIN 15 MINUTES
STARTING JANUARY 1, 2010 31, 2009, FOR CERTAIN REQUESTS. 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 $5 FOR EACH PLACEMENT, TEMPORARY LIFT, OR REMOVAL OF A
SECURITY FREEZE. HOWEVER, A CONSUMER REPORTING AGENCY MAY NOT
CHARGE 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 OF ALLEGED IDENTITY
FRAUD AGAINST THE CONSUMER OR AN IDENTITY THEFT PASSPORT.
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- 1991 -
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