Security Freezes for Consumer Reports

Indiana residents may freeze their credit reports for free so that agencies cannot release them without the consumer's authorization. Agencies must confirm a freeze and issue a PIN or password, and must lift or remove a freeze within set times. The federal Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018 (15 U.S.C. 1681c-1(i)) now also sets nationwide free-freeze rules and timelines.