Image via WikiPatentsIf you ever thought of freezing your credit report and didn't know how to, I will give you all the info you need to do it. By putting a freeze on your credit report you are restricting new creditors and hopefully identity thieves from being able to access your reports. If you ever decide to lift the freeze, in case you want to access your reports, the process to unfreeze is just as simple. Some states have a small fee to place the freeze, others are free. Free reports are given to senior citizens and victims of identity theft. There are 3 company's that have your credit report so you will have to contact each individually.
TransUnion Online - Click here.
Experian Online - Click here.
Equifax Online - Click here.
If you have any problems online here are the 800 numbers to call them:
TransUnion: 1-888-909-8872
Experian: 1-888-397-3742
Equifax: 1-800-685-1111
They may try to get you not to freeze your credit report or may try to sell you a credit monitoring plan. Say "no" and state you want a credit freeze. A credit report will insulate you from exposure to identity theft.
Thanks Dave, those are very useful links.
ReplyDeleteIf you ever thought of freezing your credit report and didn't know how to, I will give you all the info you need to do it.
ReplyDelete