Montana Code 30-14-1727. Placement of security freeze
30-14-1727. Placement of security freeze. (1) A consumer may elect to place a security freeze on the consumer’s own credit report by making a request:
Terms Used In Montana Code 30-14-1727
- Credit report: A detailed report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness. Source: OCC
- Guardian: A person legally empowered and charged with the duty of taking care of and managing the property of another person who because of age, intellect, or health, is incapable of managing his (her) own affairs.
- Person: includes a corporation or other entity as well as a natural person. See Montana Code 1-1-201
- Writing: includes printing. See Montana Code 1-1-203
(a)in writing by regular or certified mail to a consumer reporting agency at an address designated by the consumer reporting agency to receive the request; or
(b)directly to the consumer reporting agency through a secure electronic connection specified by the consumer reporting agency.
(2)A consumer, acting in the capacity of a parent or guardian in the case of a minor or of an incapacitated person as defined in 72-5-101 or a conservator in the case of a protected person as defined in 72-5-101, may request that a consumer reporting agency place a freeze on the credit report of the minor or incapacitated or protected person by making a request in writing to the consumer reporting agency at an address designated by the consumer reporting agency to receive the request.