About: Credit freeze

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A credit freeze (also known as a security freeze) allows an individual to control how a consumer reporting agency (also known as a credit bureau: Equifax, Experian, TransUnion, and Innovis) is able to sell personal financial identity data. The credit freeze locks the data at the consumer reporting agency until the individual gives permission for the release of the data.

Attributes	Values
rdfs:label	Credit freeze (en)
rdfs:comment	A credit freeze (also known as a security freeze) allows an individual to control how a consumer reporting agency (also known as a credit bureau: Equifax, Experian, TransUnion, and Innovis) is able to sell personal financial identity data. The credit freeze locks the data at the consumer reporting agency until the individual gives permission for the release of the data. (en)
dcterms:subject	Identity theft Credit
Wikipage page ID	6066224 (xsd:integer)
Wikipage revision ID	1106196969 (xsd:integer)
Link from a Wikipage to another Wikipage	California Senate Bill 1386 (2002) Debra Bowen Equifax Credit bureau Personal identification number TransUnion USA Today Economic Growth, Regulatory Relief and Consumer Protection Act Experian Federal Trade Commission Identity theft Credit Identity theft Innovis Security vulnerability
Link from a Wikipage to an external page	http://assets.aarp.org/rgcenter/consume/freeze_leg.pdf http://consumersunion.org/research/security-freeze/ https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp https://www.innovis.com/personal/securityFreeze https://www.transunion.com/credit-freeze/place-credit-freeze https://web.archive.org/web/20060716001354/http:/www.consumer.gov/idtheft/pdf/clearinghouse_2005.pdf https://web.archive.org/web/20090304080136/http:/www.lawserver.com/maps/security-freeze-rights https://www.experian.com/freeze/center.html https://www.usatoday.com/money/perfi/general/2005-06-19-credit-cover-usat_x.htm
sameAs	Credit freeze Credit freeze Credit freeze
dbp:wikiPageUsesTemplate	dbt:Citation_needed dbt:Globalize dbt:Reflist
has abstract	A credit freeze (also known as a security freeze) allows an individual to control how a consumer reporting agency (also known as a credit bureau: Equifax, Experian, TransUnion, and Innovis) is able to sell personal financial identity data. The credit freeze locks the data at the consumer reporting agency until the individual gives permission for the release of the data. Typically, consumer reporting agencies only develop such a feature when prompted to by legislation. In Canada, this has led to TransUnion and Equifax not offering any form of credit freeze (instead directing consumers to their paid identity monitoring services, which have been described as 'ineffective'), until the passage of Quebec's Bill 53, the Credit Assessment Agents Act. Lifting a credit freeze requires a PIN. However, in September 2017, a security vulnerability in this system was identified: the PIN is in many cases guessable, and difficult or impossible to reset. Freezing one's credit will not prevent the credit score from changing. Existing companies with access to one's credit profile can still report positive and negative feedback on a credit profile, meaning if the credit profile is frozen, one's credit can still go up or down. (en)
prov:wasDerivedFrom	wikipedia-en:Credit_freeze?oldid=1106196969&ns=0
page length (characters) of wiki page	10080 (xsd:nonNegativeInteger)
foaf:isPrimaryTopicOf	wikipedia-en:Credit_freeze
is rdfs:seeAlso of	Credit bureau
is Link from a Wikipage to another Wikipage of	Identity replacement technology Freeze 2017 Equifax data breach Credit Lock Down Security Freeze
is Wikipage redirect of	Credit Lock Down Security Freeze
is Wikipage disambiguates of	Freeze
is foaf:primaryTopic of	wikipedia-en:Credit_freeze

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