Request a Security Freeze

Freeze Access to Your Consumer File

Applying a security freeze prohibits One Score from releasing your One Score Consumer Report without your express authorization. However, a security freeze does not apply to companies, or collection agencies acting on behalf of such companies, with which you have an existing account that requests information in your consumer report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance and/or monitoring. One Score does not charge a fee to apply or remove a security freeze from your file.

All security freezes that are requested through One Score will only be in place at One Score and not other credit reporting agencies. For example, the security freeze will not be in place at TransUnion, Equifax or Experian, Innovis or others.

Security Freeze

A consumer has the right, pursuant to state law, to request a security freeze be placed on certain One Score reports, and for One Score to not release those reports without the consumer lifting the security freeze. When this occurs, a company that inquires on the consumer receives only a notification that the consumer has placed a security freeze on their file.

A security freeze has the following effects on a consumer’s One Score report:

1. No consumer information is returned to a company if the consumer has a security freeze on their file, and the company’s permissible purpose is one that the consumer’s state of residence had determined blocks the report.
2. A consumer will always receive their One Score Consumer Report if they request it.

Permissible Purpose

Permissible Purposes are mandated by each state; therefore a consumer’s state of residence determines what information is permissible to return. If the purpose has been deemed to be permissible, information will be returned, even when a security freeze is in place. Any inquiries NOT deemed as having a permissible purpose, will not return any consumer information.

Request a Security Freeze by U.S. Mail

You can request your security freeze via U.S. Mail using the address below:

One Score LLC
P.O. Box 727
122 15th St
Del Mar, CA 92014

For security purposes, we must confirm your identity. With your written submission, please also include the following information to verify your identity.

Your FCRA Rights

Learn more about your rights at https://www.consumerfinance.gov/learnmore/