Left: Senator Dede Feldman & Miss New Mexico, Christina Hall
A new law
that went into effect July 1 will give you a tool to prevent identity thieves
from obtaining your information and using it to open new accounts or make large
purchases in your name. Yes, it’s the Credit Freeze bill I worked so hard on
during the session along with the Attorney General, the AARP and Miss New Mexico, Christina Hall. A special thanks to those of you out there who helped. Here’s how the new law work.
You can
pro-actively prevent unauthorized access to your credit report even before you
have your mail stolen(as I did) or even know that your identity has been
misused by following these steps. Send
either regular or certified letters to all three credit reporting agencies that
include your full name, current address, Social Security number, date of birth,
a copy of a government-issued ID card and proof of your address (such as a
utility bill). If you have been a victim
of identity theft, include a copy of a police report. Tell ‘em you want your credit report
frozen. Unless you are a victim of ID
theft, or are over 65, you must include a payment of $10 for each freeze.
Here are
the addresses to which to send your letters (be sure to make copies):
Experian, PO Box 9554, Allen, TX 75013, Transunion, Fraud Victim Assistance Department, 1561 E. Orangethorpe Ave., Fullerton, CA, 92831,
and Equifax, Attention Security Freeze, PO Box 105788, Atlanta, GA 30348.
The
companies will notify you that your credit information has been locked and
issue you a pin number with which you can unfreeze the account when you want to
make a big purchase like a house or car. It will cost you $5 to release the
information in this way
(unless you’re over 65 or a victim of ID theft), and the
companies must do it quickly – in three days for now, and then, within 15
minutes, next year.
Then, you
can rest secure in the knowledge that-- in these days of repeated credit card
solicitations, nasty divorces wherein one party tries to use credit information
to make life difficult for the other, and so much personal information floating
around in your handbag and over the internet—for the most part, only you have
access to your own credit information.
For other
ways that you can protect yourself against identity theft or deal with it if
you are a victim, go to the Attorney General’s web page at www.ago.state.nm.us and access the new Identity Theft Prevention and Repair Kit.
The booklet can also be obtained by calling the AG’s office at 222-9000 in Albuquerque or 827-6000 in Santa Fe.
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