No cost credit freeze?

[bichonmom]

My mother's apt mgr. office was robbed, and they took psnl info of tenants, incl cks and poss SSNs. They have filed a police rept., tho not sure if she did herself, as the apt. Complex / mgr ofc was robbed, not her apt. So, I was wondering if under those circumstances she would still need to pay for cr freeze. I believe if you've been a victim of I'd theft, there I'd n/c. That's what she's trying to avoid. Does anyone know if a freeze under these circumstances would be free or not?

Thanks!

[Lel]

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@bichonmom wrote:
My mother's apt mgr. office was robbed, and they took psnl info of tenants, incl cks and poss SSNs. They have filed a police rept., tho not sure if she did herself, as the apt. Complex / mgr ofc was robbed, not her apt. So, I was wondering if under those circumstances she would still need to pay for cr freeze. I believe if you've been a victim of I'd theft, there I'd n/c. That's what she's trying to avoid. Does anyone know if a freeze under these circumstances would be free or not?

Thanks!

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My SL servicer lost a disc with my information on it, and I called the CRAs and had a fraud alert placed on my file, which was done at no cost.  If I recall correctly - it's been a long time since this happened - this effectively had the same effect as a credit freeze, as it was impossible to get instant approval for any credit cards.

[RobertEG]

A "freeze" on a consumer credit file is provided under state statutes.  I would contact my state consumer affairs office that oversees financial matters, and ask them for the requirements and process in your state.

You can obtain a fraud alert under FCRA 605A, which basically requires a credtior to obtain direct permission from the consumer prior to granting any credit under his or her name, simply be calling the CRA and requesting one.  Intitial fraud alerts only last for 90 days, but may be converted to an extended fraud alert by sending the CRA a copy of a police report that substantiates the consumer reporting of potential fraud.

[LS2982]

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@bichonmom wrote:
My mother's apt mgr. office was robbed, and they took psnl info of tenants, incl cks and poss SSNs. They have filed a police rept., tho not sure if she did herself, as the apt. Complex / mgr ofc was robbed, not her apt. So, I was wondering if under those circumstances she would still need to pay for cr freeze. I believe if you've been a victim of I'd theft, there I'd n/c. That's what she's trying to avoid. Does anyone know if a freeze under these circumstances would be free or not?

Thanks!

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I believe I read it on EX security freeze website that if you can prove (police report) that fraud is there it is free. look up experian security freeze on google.