Security
Freeze
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A Security Freeze halts
access to your Oil Well™ credit information. Depending on your state of
residence, details may vary.
When a Security Freeze is initiated on your Oil Well™ credit
report, all third parties, such as oil providers/dealers, whose use is not
exempt under law will not be able to access your credit report without your
consent.
The Security Freeze may delay, interfere with or prohibit the
timely approval of any subsequent request or application you make that involves
access to your Oil Well™ credit report. This may include, but is not limited
to, transactions and extensions of credit.
Additionally, during the time your report is frozen, oil providers/dealers
that provide consumer data to Oil Well™ will not be allowed to update the
status of your account including but not limited to resolutions of outstanding
debt.
If you wish to apply for a new credit account with an oil
provider/dealer, and the prospective lender or company needs to access your Oil
Well™ credit report, you will need to either remove or temporarily lift the
Security Freeze unless the situation is one of those exempt from Security
Freezes as defined by law.
The
Oil Well™ Security Freeze will be applied only to your Oil Well™
credit report. If you wish to restrict access to your credit report at other
consumer reporting agencies, you must contact them directly.
A Security
Freeze does not necessarily mean you credit report cannot be accessed
According to state laws, your credit report may be released to the
following parties for a permissible use even if there is a Security Freeze
on your file:
1. Companies that have a
current financial relationship with you.
2. A prospective assignee
of a financial obligation that is reviewing your account for maintenance,
monitoring, increasing credit lines, account upgrades and enhancements and
collecting the financial obligation.
3. State or local agency,
law enforcement, trial court, Child Support Agencies or a private collection
agency acting on a court order, warrant or subpoena.
4. Uses falling under FCRA
Section 608 - Disclosures to Governmental Agencies.
5. Uses falling under FCRA
Section 625 - Disclosure to FBI for Counterintelligence purposes.
6. FCRA defined
prescreening.
7. Any person or entity for
the purpose of administering a credit file monitoring subscription service to
which the consumer has subscribed providing a consumer with a copy of his or
her credit report upon the consumer's request.
8. Any person or entity for
the purpose of providing a consumer with a copy of his or her credit report
upon the consumer's request.
9. All other exemptions as
allowed by the state where you currently reside.
Eligibility
for a Security Freeze and the costs involved
A Security Freeze is available to all consumers who reside in the United States. The table below provides detail on any fees that may apply.
If you are an identity theft victim and are eligible for a
free Security Freeze as indicated in the table below, you will need to provide
a copy of a valid identity theft report you have filed with a federal, state,
or local law enforcement agency.
|
Security Freeze Schedule By State
|
|
State
|
Requirements
|
Processing Fee Information
|
|
Create
|
Suspend
|
Remove
|
|
Alabama
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
$7.50
|
$7.50
|
|
Alaska
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
$7.50
|
$7.50
|
|
Arizona
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
$7.50
|
$7.50
|
|
Arkansas
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
$7.50
|
$7.50
|
|
California
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
$7.50
|
$7.50
|
|
Colorado
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
Free
|
$7.50
|
$7.50
|
|
Connecticut
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
$7.50
|
$7.50
|
|
Delaware
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$20.00
|
Free
|
Free
|
|
District of Columbia
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
Free
|
Free
|
|
Florida
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
Age 65 years or older
|
Free
|
$7.50
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
$7.50
|
$7.50
|
|
Georgia
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
$7.50
|
$7.50
|
|
Hawaii
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$5.00
|
$5.00
|
$5.00
|
|
Idaho
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$6.00
|
$6.00
|
Free
|
|
Illinois
|
Victim of Identity Theft or Age 65 years or older
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
$7.50
|
$7.50
|
|
Indiana
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
Iowa
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
$12.00
|
$7.50
|
|
Kansas
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
$7.50
|
$7.50
|
|
Kentucky
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
$7.50
|
$7.50
|
|
Louisiana
|
Victim of Identity Theft or Age 62 years or
older
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
$8.00
|
Free
|
|
Maine
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
$7.50
|
$7.50
|
|
Maryland
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$5.00
|
$5.00
|
$5.00
|
|
Massachusetts
|
Victim of Identity Theft and Spouse
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$5.00
|
$5.00
|
$5.00
|
|
Michigan
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
$7.50
|
$7.50
|
|
Minnesota
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$5.00
|
$5.00
|
$5.00
|
|
Mississippi
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
$7.50
|
$7.50
|
|
Missouri
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
$7.50
|
$7.50
|
|
Montana
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$3.00
|
$3.00
|
Free
|
|
Nebraska
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
Child under the age of 19
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$15.00
|
Free
|
Free
|
|
Nevada
|
Victim of Identity Theft or
Age 65 years or older
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
$7.50
|
$7.50
|
|
New Hampshire
|
Victim of Identity Theft
|
Free
|
Free
|
Free
|
|
NOT A Victim of Identity Theft
|
$7.50
|
$7.50
|
$7.50
|
|
New Jersey
|
Victim of Identity Theft
|
Free
|
