Help Keep Your Credit Safe
With the latest credit card breach still fresh in the headlines, you have probably started asking yourself how secure your credit is and what you can do to help secure it. There is something you can do and you can start right away for FREE! Put a security freeze on your credit today to make it harder for thieves to open accounts in your name tomorrow.
 
Security freezes, or better known as credit freezes, restrict access to thieves trying to open accounts in your name. Since September 21, 2018, you can freeze and unfreeze your credit files with all three nationwide credit reporting agencies - Equifax, Experian, and TransUnion for FREE! You can also freeze your children’s credit (16 and under) as well as freezes for those that you are a guardian, conservator or power of attorney for.
 
Get a Security Freeze FREE
It’s easy to freeze and unfreeze your credit. Simply contact all three nationwide credit reporting agencies by going online, calling on them on the phone or sending your request via mail. If you request a freeze online or by phone, the agency must place the freeze within one business day. If you would like the freeze lifted, the agency must lift the freeze within one hour of the request. If you request a freeze by mail, the agency must freeze the account within three business days of receiving the request. You can also schedule to lift the freeze temporarily for free as well.
 
Freezes vs. Locks
Don’t confuse freezes with locks. They work in a similar way, but locks may have monthly fees. If you want a free freeze guaranteed by federal law, then opt for a freeze, not a lock.

Fraud alerts extended to 1-year
A fraud alert tells businesses that check your credit that they need to check with you before opening a new account. Now when you place a fraud alert, it will last one year, instead of 90 days. Fraud alerts will still be free and identity theft victims can still get an extended fraud alert for seven years.

Issues with a credit freeze
If you think a credit reporting agency is not placing a credit freeze or fraud alert properly, you can submit a complaint online or by calling 855-411-2372. If you think someone stole your identity, visit the FTC’s website, IdentityTheft.gov, to get a personalized recovery plan that walks you through the steps to take.

For more information, check out Place a Fraud Alert, Extended Fraud Alerts and Credit Freezes, and Credit Freeze FAQs. And if you’re considering a child credit freeze, you also may want to read Child Identity Theft.

Credit Bureau Contacts
Contact the national credit bureaus to request fraud alerts, credit freezes (also known as security freezes), and opt outs from pre‑screened credit offers.

Equifax
Equifax.com/personal/credit-report-services
800-685-1111

Experian
Experian.com/help
888-EXPERIAN (888-397-3742)

Transunion
TransUnion.com/credit-help
888-909-8872
 

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