Alert
Close

Watch the NASCAR race on Sunday at Martinsville Speedway. Join the Drive to End Hunger!

Highlights

Open

You and Your Town Contest-You could win an AARP RealPad

AARP Auto Buying Program

Contests and
Sweeps

$10,000 Winter Escapes Sweepstakes

Beat the cold and cozy up to a chance of winning $10,000! See official rules.

Driver Safety

Piggy bank on the road - AARP Driver Safety

Take the new AARP Smart Driver Course!

AARP Books

Visit the Money Section

Enjoy titles on retirement, Social Security, and becoming debt-free.

Jobs You Might Like

most popular
articles

Viewed

Free Security Freeze Adds Phone, E-Mail Options

Starting Jan. 1, 2009, Hoosiers will be able to "freeze" or "thaw"  their credit reports by telephone, e-mail or regular mail. All three methods are FREE.

The e-mail and telephone options are brand new on that date and will make it easier and faster for most consumers to protect themselves from financial fraud.

Easier, faster, free: That's what we call consumer empowerment.

Indiana's Security Freeze law is based on a simple concept. It lets consumers freeze third-party access to their credit reports until and unless consumers want to "thaw" or release them.

Since no legitimate business will issue or increase credit without reviewing an applicant's credit report, the freeze stops criminals from falsely obtaining credit in your name. That makes it one of the most effective actions you can take to protect yourself from financial fraud.

Once you request a freeze, the national credit reporting agencies will send you a unique personal identification number or PIN that lets you temporarily "thaw" a freeze when you're shopping for credit.

Freeze and thaw requests made by telephone or e-mail must be honored within 15 minutes of their receipt by the credit reporting agencies. That means no long waits to exercise the control you need over your credit reports.

Indiana's law includes other strong consumer protections:

  • By law, placing a security freeze won't hurt your credit rating.
  • Unique among states, Indiana's law makes this service FREE for everyone, even people who've never been victimized by identity theft.

Imagine the peace of mind of knowing that even if your personal information falls to petty thieves, they won't be able to use your credit report against you.

Here's how to contact the three credit reporting agencies that maintain your credit report.

Equifax Phone: 1-800-685-1111
Equifax Web: www.equifax.com
Equifax Mail: Equifax Security Freeze, PO Box 105788, Atlanta, GA 30348

TransUnion Phone: 1-800-916-8800
TransUnion Web: www.tuc.com
TransUnion Mail: TransUnion Security Freeze, PO Box 6790, Fullerton CA 92834

Experian Phone: 1-888-397-3742
Experian Web: www.experian.com
Experian Mail: Experian Security Freeze, PO Box 9554, Allen, TX 75013

For consumers who choose the "mail" option, AARP Indiana has a FREE "Security Freeze Kit" that can simplify your request. The kit includes simple forms, background information and mailing labels for all three credit reporting agencies.

Request your free kit by calling 1-866-448-3618 or send e-mail to inaarp@aarp.org.

Topic Alerts

You can get weekly email alerts on the topics below. Just click “Follow.”

Manage Alerts

Processing

Please wait...

progress bar, please wait

Tell Us WhatYou Think

Please leave your comment below.

The Cheap Life

Jeff Yeager Cheap Life Ultimate Cheapskate AARP YouTube web series save money

Catch the latest episode of The Cheap Life starring Jeff Yeager, AARP's Ultimate Cheapskate. Watch

Discounts & Benefits

From companies that meet the high standards of service and quality set by AARP.

Life insurance: you are covered rain or shine

Exclusive annuities for members from AARP Lifetime Income Program from New York Life.

AARP Credit card from Chase

Members can get cash back rewards on purchases with the AARP® Credit Card from Chase.

Homeowners Insurance
Member Benefits

Join or renew today! AARP members receive exclusive member benefits & affect social change.

Rewards for Good

Your Points Balance:

Learn More

Earn points for completing free online activities designed to enrich your life.

Find more ways to earn points

Redeem your points to save on merchandise, travel, and more.

Find more ways to redeem points