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Author Topic: How to freeze your credit for free  (Read 122 times)

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Offline Carl

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How to freeze your credit for free
« on: September 23, 2018, 02:10:31 AM »


Credit freezes will be free as of tomorrow in the USA.
Here's how to freeze your credit at the three largest credit
reporting services (and one you probably haven't heard of).

The Equifax breach that exposed the Social Security numbers,
birthdates, names and addresses of 143 million people last
year had people scrambling to freeze their credit. A credit
freeze was a paid service (and is, until tomorrow) where
each agency charged a fee to freeze credit. A credit freeze
stops most companies from viewing your credit file. If you
want to apply for credit for a mortgage, a car loan, or a
student loan, the freeze can be lifted. Lifting a credit
freeze is also free. While credit freezes are another tool
to prevent identity theft, a credit freeze won’t stop any
open lines of credit like a current credit card from being
stolen and used.

Here are the links and contact information to freeze your
credit:

Equifax:
Online:
https://www.equifax.com/personal/credit-report-services/

Phone: 1-800-349-9960 (automated), 1-888-298-0045 (live
operator)
Mail: Equifax Security Freeze, P.O. Box 105788, Atlanta,
Georgia 30348

Experian:
Online:
https://www.experian.com/freeze/center.html#content-01

Phone: 1-888-397-3742
Mail: Experian Security Freeze, P.O. Box 9554, Allen, Texas
75013

TransUnion:
Online: https://www.transunion.com/credit-freeze

Phone: 1-888-909-8872
Mail: TransUnion LLC, P.O. Box 2000, Chester, PA 19016

You might want to place a credit freeze with the National
Consumer Telecommunications & Utilities Exchange. They are a
reporting agency that collects and reports data on anyone
using utility services like cable and satellite service,
utilities like water and electric, and telecommunications
services. If you don't apply for new services, you probably
haven't heard of them. Putting a freeze credit at the
National Consumer Telecommunications and Utilities Exchange
(NCTUE) can prevent someone opening a new mobile phone
account in your name.

National Consumer Telecom & Utilities Exchange
Online:
https://www.exchangeservicecenter.com/Freeze/jsp/SFF_PersonalIDInfo.jsp


Phone: 1-866-349-5355
Mail: NCTUE Security Freeze, P.O. Box 105561, Atlanta, GA
30348

Links were current at the time of writing, but may change.

This information is useful to people in the USA.

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