How a Security Freeze Protects Your Credit from Identity Theft

A security freeze is one of the most effective ways to prevent identity theft. By putting a security freeze on their credit files, Montanans can prevent those files from being shared with potential creditors. See MCA §§ 30-14-1726 to 1736.

A security freeze allows consumers to proactively “lock up” their credit information so no one can access it without their permission. This prevents a thief from falsely using someone else’s identity to take out a new mortgage, apply for a credit card or get financing.  The freeze is easily lifted if consumers plan to make a major purchase, open a new credit card or take out a loan.

A security freeze will not:

• lower your credit score

• prevent you from getting your own credit report

• stop credit card companies from sending you pre-approved credit offers. To stop most pre-approved credit offers, call 888-5OPTOUT (888-567-8688) or go online to www.optoutprescreen.com. You can choose to opt out for five years or permanently.

  
  

A freeze will prevent an employer from getting your credit report as part of a background check. You have to lift the freeze to allow a complete background check, just as you do to apply for credit.

For more information, contact the Department of Justice, Consumer Protection at (406) 444-4500 or the Resource Center at (406) 259-5212.

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