If you want to apply for a loan or credit card, all you need to do is go on-line, use the password issued by the credit bureau and allow that specific credit check.

Complete instructions are included in the California Office of Privacy Protection. The following link will get you there:

http://www.privacy.ca.gov/

Once there find – Consumer Information Sheet 10 for a complete set of instructions on how to freeze your credit.

Sincerely,

Richard J. Harris
Certified Public Accountant

The following are sample letters for each of the three credit bureaus. Note that each bureau’s requirements are slightly different.

February 3, 2009

Equifax Security Freeze
PO Box 105788
Atlanta GA 30348

Dear Eqifax:

I would like to place a security freeze on my credit file. My name is .

My current address is:

I have been at this address for over 10 years and do not have a former address.

My Social Security number is .

My date of birth is .

Enclosed is my check for $10 for placing the freeze by .

Sincerely yours,

February 3, 2009

Experian Security Freeze
PO Box 9554
Allen TX 75013

Dear Experian:

I would like to place a security freeze on my credit file. My name is .

My current address is:

My Social Security number is .

My date of birth is .

As proof of my address, I am enclosing the following two items:
*
*

Enclosed is my check for $10 for placing the freeze by .

Sincerely yours,

February 3, 2009

Trans Union Security Freeze
PO Box 6790
Fullerton CA 92834-6790

Dear Trans Union:

I would like to place a security freeze on my credit file. My name is .

My current address is:

My Social Security number is .

My date of birth is .

Enclosed is my check for $10 for placing the freeze by credit card.

Name of Credit Card:
Account number:
Expiration date:

Sincerely yours,