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CREDIT FREEZE

US citizens are far safer when their credit reports are frozen. After a data breach, it prevents bad guys from opening credit card accounts in your name. Of course, if you are buying a house or car, then your credit report needs to be available. But, a frozen report can be un-frozen as needed. As with everything, we have to accept some inconvenience for the added security.

A freeze request needs to be made to each credit reporting agency. Both freezing and un-freezing are free. If you do nothing, a freeze remains in effect forever. A freeze has no impact on you free annual credit reports. When requesting a freeze, do not pay for any upgrades.

ONLINE FREEZE

TELEPHONE FREEZE

NOTE: the terms "lock" and "freeze" are not the same. You want a "freeze".

AND

How to Freeze Your Credit by Jim Akin of Experian. October 8, 2020.

A free annual credit report, is available at annualcreditreport.com. You can also call on the phone or mail in a paper form. This is the ONLY such website. All other sites are scams.

 

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