Tell Your Legislators: "I Deserve Control Over My Credit Report!"

MACreditFreeze04052018

With credit-reporting firm Equifax revealing that hackers may have stolen financial and consumer data  on at least 143 million customers in the U.S., it’s quite possible that your personal information — including birth date, Social Security number, driver’s license and address — could fall into the hands of criminals.

Equifax said that it hasn’t found evidence of unauthorized activity on its core consumer or commercial credit-reporting databases. But criminals could use the treasure trove of personal information acquired in the breach to apply for credit cards and loans in your name, access your bank accounts and establish a phony presence online with email and social media accounts.

One of the most common types of identity theft is the “new account” variety, where a criminal uses stolen information to open new credit cards and loan accounts in your name.  A credit report security freeze allows an individual to voluntarily choose to restrict access to her/his credit report. A credit report security freeze can make it more difficult for criminals to steal an identity by opening new accounts in someone’s name.  It does not affect the person’s credit score, and can be removed at any time.

H.4241/S.2304 would remove all fees when placing, suspending  and/or removing a credit report security freeze — regardless of the number of times a freeze is placed or removed — and would also remove the $8 credit report fee for those who are victims of identity theft.

Write your representatives and ask them to support H.4241/S.2304 – An Act Removing Fees for Securiy Freezes and Disclosures of Consumer Credit Reports

 

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Message

Dear [Decision Maker],

I deserve control over my credit report. Now more than ever, I should be able to freeze and unfreeze my credit report, controlling who has access to my data, and blocking scammers and identity thieves from opening accounts under my name.

With credit-reporting firm Equifax revealing that hackers may have stolen financial and consumer data on at least 143 million customers in the U.S., the case for allowing consumers in Massachusetts to freeze their credit reports without paying a fee to credit reporting agencies has never been stronger.

One of the best ways to protect against identity theft is by placing a security freeze on your credit report, preventing thieves from opening new accounts under your name. However, consumers currently have to pay fees to each of the 3 credit bureaus whenever they place, suspend, or remove a credit freeze.

As your constituent I ask you to support HB4241/SB2304 - An Act Removing Fees for Security Freezes and Disclosures of Consumer Credit Reports Sponsored by Representative Jennifer Benson(D- Lunenburg) and Senator Barbara L'Italien(D-Andover).





I ask that you support this legislation, which currently sits in the Senate Committee on Ways and Means, and that you reach out to the committee to voice your support.
Please support HB4241/SB2304-An Act Removing Fees for Security Freezes and Disclosures of Consumer Credit Reports.

Sincerely,
[Your Name]
[Your Address]
[City, State ZIP]