Epic Contributor
Posts: 24,810
Registered: ‎03-19-2007
Re: Credit Freeze (Security Freeze)
[ Edited ]

If you are concerned about a spouse pulling your CR, you can inform himher that it is a violation of federal statute to do so, as he/she has no permissible purpose.


Even though consumers, for good and obvious reason, wont normally complain if/when a spouse accesses their credit report, it is technically improper.

Personal identifiers are used as a representation that the inquiree is the actual consumer,and thus has permissible pupose to access their own credit report. That right does not extend to any other party, including a spouse.


Once advised in writing of that fact, he/she would be subject to legal action for knowingly violating FCRA 604, regardless of any secrity freezes that may or may not be in place.