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You must provide identifying information. To place a freeze, you must write to each of the three credit reporting agencies. Does freezing my file automatically freeze my spouse's file? Answer Does freezing my file mean that I won't receive pre-approved credit offers? Answerġ4.
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Can an employer do a background check on me if I have a freeze on my credit file? Answerġ3. Will a freeze lower my credit score? Answerġ2. Do I have to freeze my file with all three credit reporting agencies? Answerġ1. Can anyone see my credit file if it is frozen? Answerġ0. Can I order my own credit report if my file is frozen? Answerĩ.
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Can a creditor get my credit score if my file is frozen? AnswerĨ. What will a creditor who requests my file see if it is frozen? Answerħ. How long does it take for a security freeze to be lifted? AnswerĦ. How long does it take for a security freeze to be in effect? Answerĥ. What is the difference between a fraud alert and a freeze? AnswerĤ. Can I open new credit accounts if my files are frozen? Answerģ.
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How do I place a security freeze? AnswerĢ. If you believe that you are the victim of identity theft, please contact your local law enforcement agency and file a police report with them. If your credit files are frozen, even someone who has your name and Social Security number would probably not be able to get credit in your name.Ī security freeze can help prevent identity theft. Most businesses will not open credit accounts without checking a consumer's credit history first. A security freeze means that your file cannot be shared with potential creditors. If you live in New Jersey, you have the right to put a " security freeze" on your credit file. I personally would much rather have that extra and most important layer of protection.Home > Consumer Information > Personal Finance > Credit Awareness/ID Theft > How to Freeze Your Credit Files Let's just go with agree to disagree here. Certainly better spent than the expensive credit monitoring services. But, even so, I think this small amount of money is well spent. Stop the issues BEFORE they happen, not damage control after.Įveryone lapping up this $10 per freeze bullshit is just encouraging the credit bureaus to treat us like shit and then charge us when they fuck up. Combining this with a fraud alert is the best line of defense. Any new account can be disputed and then the creditor is required to prove it was you who opened the account. Monitoring your credit and spotting any changes through credit karma is free and just as effective. Not true, have you tried this? Despite OP claims, they almost always will either have you send in documents or they will mail your pin to you via USPS. It also provided virtually no actual protection since the data breached in Equifax and other major breaches is enough to reset your pin and convince them someone else is you. So, this is an FYI for everyone, The Equifax credit freeze is not actually a secure credit freeze. I prompted, "Don't you need my pin?" And they said "No I don't need it, I've already processed the request." I told the rep I wanted to unfreeze my credit temporarily and they asked me for my social security number and did it. I declined and called a direct customer service line and talked to someone. Experian had an online interface that was easy to use and they asked me for my pin and temporarily lifted my credit freeze.Įquifax had an online interface that didn't ask for my pin but then said that I couldn't do it online or by phone and I needed to mail them my social security number and my pin together in one package. TransUnion had a good online interface that was quick and easy to use, asked me for my pin and lifted my credit freeze. I keep my credit frozen at all three major reporting agencies, and yesterday went to add a temporary lift to my account so that I could do home loan stuff. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit.Įquifax has let us down again by not asking for my PIN to unfreeze my credit. Get your financial house in order, learn how to better manage your money, and invest for your future. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests.