Resources for Federal Financial Institutions Examination Council (FFIEC)

New law allows Texans to freeze credit reports

www.dallasnews.com

Texans now have an extra muscular tool to guard against identity theft.

Under a new law that took effect Saturday, consumers can freeze their credit report without having to have a police report.

When you freeze your credit report, a thief can't get credit in your name because the creditor can't check your credit history. Few lenders will lend you money without checking your credit report.

Previously, Texans couldn't freeze their credit reports unless they were victims of identity theft, which was ridiculous – you had to wait for a crime to occur before you could take steps to protect yourself.

Now, Texas joins 34 other states that allow consumers to freeze their reports without first having to be victims of identity theft.

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