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Federal File Freeze Updates

US Bill 2155 was signed into law on May 21, 2018. For every state in the United States, there will be no charge to a consumer to set a Freeze, request a Thaw (temporarily remove the freeze), or a Lift (permanently remove the freeze) from his credit file, effective 09/21/2018.

Click Here for CFPB's statement. Click Here for sample of new Summary of rights that will be changed on credit reports.

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- Caren Bailey, V.I.P. Mortgage, Inc.

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