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2008 SESSION

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HB 175 Credit reports; authorizes military personnel and their spouses to freeze access thereto.

Introduced by: Onzlee Ware | all patrons    ...    notes | add to my profiles

SUMMARY AS INTRODUCED:

Credit reports; military personnel and their spouses. Authorizes Virginia domiciled members of the armed services and their spouses to freeze access to their credit reports. If a consumer has placed a freeze on his credit report, a consumer reporting agency is prohibited from releasing the credit report, or any information in it, without the consumer's express authorization. The measure provides a means by which the service member or spouse can release his report. A consumer reporting agency may charge a fee of no more than $5 for establishing a freeze, removing a freeze, or temporarily lifting a freeze. The measure also prohibits a credit account from being opened in the name of such a consumer who has a security freeze in effect without his express prior written authorization. Violations are prohibited practices under the Virginia Consumer Protection Act. This bill is incorporated into HB 1311.


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