Credit Freeze Law

As I wrote on the recent postcard mailing, the Credit Freeze Law went into effect in Georgia on August 1, 2008. Now you can have 100% protection against credit based identity fraud. In order to protect yourself, you send a letter by certified mail to each of the three credit reporting agencies. The letter must contain:

  • Your $3 payment by money order or check
  • Your Name
  • Your Address
  • Date of Birth
  • Social Security Number
  • A copy of a government-issued identification card, such as a driver's license.
  • A copy of a utility bill, bank or insurance statement. Credit card statements, voided checks, lease agreements, magazine subscriptions will not cut the mustard.

Send your request by certified mail to all three credit reporting agencies:

Equifax: Equifax Security Freeze, P.O. Box 105788, Atlanta, GA 30348; 1-800-685-1111, www.equifax.com.

Experian: Experian Security Freeze, P.O. Box 9554, Allen, TX 75013; 1-888-397-3742, www.experian.com (look for "security freeze" link).

TransUnion: TransUnion Security Freeze, P.O. Box 6790, Fullerton, CA 92834; 1-888-909-8872, www.transunion.com (look for "security freeze" link under "identity theft" section).

How do I unfreeze it when I want to open a new account at Target to get that whopping 10% off? This is the cool part: you get a PIN number and can unlock it in 15 minutes either online or over the phone. Keep your credit under lock and key!

For more information, surf on over to Georgia Watch, a consumer watchdog for our state.

Client Reviews
  • My wife and I were hit by a tractor trailer in 2014. After extensive research online, we were deeply impressed with the various reviews we read on Google and Avvo and chose Chris to represent us. We could not have a made a better decision. Chris and his firm treated us like we were their only clients, soothed our worries, and instantly gained our trust. Chris settled both of our cases for more than we expected.
    ★★★★★
  • A co-worker of my wife recommended Chris to us. At the very beginning Chris showed that he cared and his knowledge is priceless. Going through this process can be aggravating but Chris did a great job guiding me through this and was always available to answer my questions. Chris fought to get what I deserved even though at times I wanted to give up.
    ★★★★★
  • I want to express my deepest sense of gratitude and appreciation to Attorney Chris Simon & Attorney Chris Carsten, for all the hard work that they put forth into my case (car accident filed after being hit by drunk driver). Their attention to detail and professionalism far surpasses their firm's reputation. Because of their diligence and dedication to their craft, they were able to bring my case to a successful close, one that I could live with. You will not find a better team for your case. Should I have a need for their services again in the future, or know of anyone looking for a top notch Auto Accident Law Firm, I would not hesitate to recommend them!!!!
    ★★★★★
  • Wow...Chris is a very good attorney. Me and my son was in a very bad car accident an I was clueless on how to handle the situation. It's very hard to find an attorney who allows you to contact them personally instead of you contacting their asst. I was told that I didn't have a case because the hosiptal put a lien on my acct. Chris prove different and I was able to file my case with the insurance company. The process was very quickly and Im glad I selected the right attorney..Thanks Chris
    ★★★★★
  • Chris is a great lawyer and the most people friendly attorney I have ever delt with. He handled my case with great attention to detail and did so in a very short period of time. He is very consice, efficient, patient and understanding. He has a strong passion for what he does and he does it well. I recommend Chris Simon as legal representation for anyone who has suffreed damages or a loss at the negligence of others. He really cares about you and your case.
    ★★★★★