Security Freeze is Consumer Tool in Fight Against Identity Theft



If you suspect you are a victim of identity theft, or want to be more proactive in shielding yourself from the actions of ID thieves, placing a Security Freeze on your credit reports is a sensible step, according to Victory State Bank, Staten Island’s only community-based commercial bank.

As explained by the New York Department of State’s Division of Consumer Protection, this is how a Security Freeze works:

After you make a formal request for a credit freeze to all three major credit bureaus, they will stop providing your credit file to potential creditors. Most businesses will not open a credit account without first checking a consumer’s credit history. If your credit files are frozen, even someone who has your name and social security number will not be able to obtain credit in your name.

If you decide to apply for new credit during the time of the freeze, you can authorize the credit agencies to lift the freeze temporarily so legitimate applications for credit or services can be processed.

To request a Security Freeze, the Division of Consumer Protection explains, you must contact each of the three major credit reporting agencies: TransUnion, Experian and Equifax. You can make your request via mail, Internet or telephone.

The credit bureaus will collect your information, confirm your identity and place a credit freeze within one day of your formal request. The credit reporting agencies will mail you written notification of your freeze along with a password or a Personal Identification Number (PIN). You will use the password to identify yourself when contacting the credit bureaus and/or when requesting to lift the Security Freeze.

Consumers who place a Security Freeze on their credit report need to plan ahead before seeking to obtain new credit, employment, or insurance, to allow time for credit bureaus to process your request to lift the freeze.

For more information about a Security Freeze and the contact information for the three major credit reporting agencies, log onto the Division of Consumer Protection’s Security Freeze Law brochure.




About Victory State Bank


VSB Bancorp, Inc. (OTCQX: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online at


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