Credit freeze changes on tap

Hoosiers have more ways to contact reporting agencies.

By PABLO ROS • Tribune Staff Writer

SOUTH BEND — Changes to Indiana’s credit freeze law will give consumers more ways to contact credit reporting agencies and further help prevent identity theft, Attorney General Steve Carter said Tuesday.

The changes, which take effect Thursday, will allow consumers to request a credit freeze by phone and e-mail.

Carter said there is no fee for making such a request.

In addition to the current certified mail option, credit reporting agencies will be required to make available a secure electronic mail connection that consumers can use to request a credit freeze. They will also be required to accept e-mail and telephone requests for lifting or removing a freeze.

A credit or security freeze allows an individual to restrict access to his or her credit report, which helps prevent unauthorized lines of credit from being issued in their name.

“People can sleep better at night knowing their credit information is safe,” Carter said.

The attorney general’s Identity Theft Unit, created in March, is charged with enforcing Indiana’s credit freeze law.

To send a credit freeze request online, consumers should contact the three national consumer reporting agencies — Equifax, Experian and TransUnion.

For more information on Indiana’s credit freeze law, including a sample letter to use when requesting a freeze, visit