Credit report file frozen due to state legislation

Attn: Consumer Relations at 7805 Hudson Road, Suite 100, Woodbury, MN 55125.

to allow prescreened offers of credit and insurance for you, your explicit consent must be submitted in writing to Chex Systems, Inc. If you are under 21 and would like Chex Systems, Inc. Insurers must file scoring models with state departments of insurance. If you make the request online or by phone, the three major credit bureaus are required to lift the freeze within an hour. Insurers must recalculate a consumerвЂ™s credit score after three years. You may also click hereВ to submit an online request to opt out with ChexSystems.Д¬onsumers under the age of 21 will not be considered for prescreened offers unless specific consent is provided. Insurers may not base rates solely on credit score or consider absence of a credit history. Enlist your HR pros to help your staff understand the new law. You may opt out with ChexSystems at 877.OPTOUT 5 (877.678.6885). If you think a credit reporting agency is not placing or lifting a credit freeze or fraud alert properly, report it to the Bureau of Consumer Financial Protection at or call the BCFP at 85. You may opt-out with the nationwide credit bureaus at 888.5 OPTOUT (888.567.8688). If you choose to opt out, your name and address will be removed from the lists these offers are based on. The FCRA also provides you the right to opt out, which prevents consumer credit reporting agencies from providing your credit file information for prescreened offers. Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. When a security freeze is in place, a consumer reporting agency may not release the consumers credit report or information to a third party without prior. To learn more about prescreened offers of credit, visit the Consumer Information page of the Federal Trace Commission (FTC) website. Consumers may place credit freezes or security freezes on their credit reports with consumer reporting agencies. File a Complaint About a Debt Collector Report any problems you have with a debt collection company to your State Attorney Generals Office, the Federal Trade Commission (FTC), and the Consumer Financial Protection Bureau (CFPB). Under the Federal Fair Credit Reporting Act (FCRA), consumer credit reporting agencies are permitted to include your name on lists used by creditors or insurers to make prescreened offers of credit or insurance that are not initiated by you.

Credit report file frozen due to state legislation