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Texas Security Freeze Process
Consumers in your state have the right to place a "security freeze" on their credit reports, which will prohibit us from releasing any information in their credit reports without their express authorization, except to those with whom the consumer has an existing account or a collection agency acting on behalf of the existing account, for purposes of reviewing (account maintenance, monitoring, credit line increases and account upgrades and enhancements) or collecting the account. If you place a security freeze on your credit report, your information also may be used for the purposes of prescreening as provided for by the federal Fair Credit Reporting Act, even if a security freeze is on the report. A security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent; however, using a security freeze may delay, interfere with, or prohibit the timely approval of any subsequent requests or applications regarding a new loan, credit, mortgage, insurance, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transaction, or other services, including an extension of credit at point of sale.
The fee for placing a security freeze on a credit report is $10.83 (includes tax). If you are a victim of identity theft and submit a valid investigative or incident report, complaint with a law enforcement agency or the Department of Motor Vehicles (DMV), the fee will be waived.
To request a security freeze, log on to www.experian.com/freeze, call 1 888 EXPERIAN (1 888 397 3742) or send all of the requested information via certified mail, where required by law, to Experian Security Freeze, P.O. Box 9554, Allen, TX 75013, or by overnight mail to Experian, 701 Experian Parkway, Allen, TX 75013. California residents are not required to send by certified mail.
Be sure to include the following information:
- Your full name including middle initial (and generation such as JR, SR, II, III)
- Social Security number
- Complete addresses for the past two years
- Date of birth
- $10.83 fee (includes tax) or a valid investigative or incident report or complaint filed with a law enforcement agency
- One copy of a government issued identification card, such as a driver's license, state or military ID card, etc.
- One copy of a utility bill, bank or insurance statement, etc.
Make sure that each copy is legible and displays your name and current mailing address and the date of issue (statement dates must be recent). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents.
In addition, a protected consumer according to Texas state law is a consumer who resides in Texas and is younger than 16 years of age at the time a request for the placement of a security freeze is made. To request a security freeze for a protected consumer in your care, submit all of the above information for both you and the protected consumer, as well as a copy of the protected consumer's birth certificate and Social Security card. Once we have received your request and all of the required information for both you and the protected consumer, a freeze will be placed on the protected consumer's credit file. If a credit file for the protected consumer does not currently exist, a file for the protected consumer will be created. Experian does not knowingly maintain credit information on minors. If you are the protected consumer's representative, be sure to include a copy of the court document or notarized written statement naming you as the representative.
There is no fee for a protected consumer under the age of 16 or if the protected consumer's representative submits a valid investigative or incident report or complaint with a law enforcement agency. If Experian must create a record for the protected consumer as none exists and the protected consumer is not a victim of identity theft, the $10.83 fee will apply.
We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number (PIN) that will be required in order to remove the freeze temporarily (in order to apply for credit or for any transaction that requires that another party access your personal credit report) or permanently.
If you would like to create a single-use personal identification number to be used by a certain credit grantor, log on to www.experian.com/freeze.
If you move to a new address and wish to keep the security freeze on your file, submit your request in writing and include all of your personal identification information and proof of your new address as specified in this letter.
To temporarily remove a security freeze for a period of time in order to apply for credit or for any transaction that requires that another party access your personal credit report, log on to www.experian.com/freeze or call 1 888 EXPERIAN (1 888 397 3742), then enter your identification information and PIN. The fee for temporarily removing a security freeze is $10.83. To temporarily remove a security freeze for a specific party, provide your PIN to the party you wish to grant access to your report.
To permanently remove a security freeze, log on to www.experian.com/freeze or call 1 888 EXPERIAN (1 888 397 3742). You also may write to us and provide all your identification information and PIN. If you write to us, always include a copy of your personal identification information and proof of your address as specified in this letter. The fee for permanently removing a security freeze is $10.83. To remove a security freeze from a protected consumer's file, the protected consumer must include all of their identification information and proof that their representative's authority to act on their behalf is no longer valid. If the request to remove a security freeze is made by the protected consumer's representative, the representative must include all the required identification information for the representative and the protected consumer as well as sufficient proof of authority to act on behalf of the protected consumer. The fee to remove a freeze from the file of a protected consumer is $10.83.
Acceptable forms of payment to place or remove a security freeze are credit card, check and money order. If you submit your credit card information by mail, be sure to include the name exactly as it is displayed on the card, the credit card type, the credit card number and the expiration date. Accepted credit cards are American Express, Discover, MasterCard and VISA.