Security Freeze Information

A security freeze prohibits a consumer reporting agency from releasing any information in your consumer file without your expressed authorization. All consumers who reside in the United States have the right to place a security freeze on their file.

A security freeze is designed to prevent approval of checking, savings, credit accounts, loans, or other services from being approved in your name without your consent. You should be aware that taking advantage of this right may delay or prevent timely approval from any user of your consumer report that you wish to do business with. The third party will receive a message indicating that you have blocked your information. You may request a temporary “lift” to the security freeze to conduct business with entities that require access to the consumer’s data.

If you are representing a Protected Consumer and have questions about a security freeze, you may contact ChexSystems® Security Freeze Department using the information below. To place, lift or remove a security freeze for a Protected Consumer, please submit your request in writing and provide sufficient proof of authority and sufficient proof of identity. 

Security freeze requests submitted to Chex Systems, Inc. will be applied only to your ChexSystems consumer report. If you wish to restrict access to your credit report at the major credit bureaus or other consumer reporting agencies, you must contact them directly. Click to learn more about your rights.