Identity theft unfortunately is running rampant! Freezing your credit is the easiest way to keep unwanted accounts being opened in your name or information being accessed by nosy companies.
To request a credit freeze with the major credit bureaus in the United States (Equifax, Experian, and TransUnion), you can follow these steps:
Visit Each Credit Bureau's Website: You can initiate a credit freeze online by visiting the official websites of each of the three major credit bureaus:
Equifax: Equifax Credit Freeze
Experian: Experian Credit Freeze
TransUnion: TransUnion Credit Freeze
Create an Account (if required): You may need to create an account or log in if you already have one on each of these websites.
Request a Credit Freeze: Once you're on their websites and logged in, you can request a credit freeze. They will guide you through the process, which usually involves providing some personal information to verify your identity.
Keep Your PINs: After placing a credit freeze, you will receive a PIN (Personal Identification Number) from each credit bureau. This PIN is essential if you ever need to lift or temporarily thaw your credit freeze for a legitimate credit application. Keep these PINs in a safe place.
Turn on Credit Alerts: Consider turning on credit monitoring alerts through the credit bureaus or third-party credit monitoring services. This will notify you of any attempt to run your credit or any suspicious activity.
Know How to Unfreeze and Refreeze: Inquire with each credit bureau about the specific credit provider or process to unfreeze and refreeze your credit. Understanding this procedure will help you keep your credit locked down and secure when needed.
Monitor Your Credit: While a credit freeze and alerts provide protection against identity theft and unauthorized credit inquiries, it's essential to regularly monitor your credit reports for any suspicious activity. You can still access your own credit reports even with a credit freeze in place.
Remember that the process and requirements may vary by state, so it's a good idea to visit the official websites of each credit bureau or contact them directly for the most up-to-date information on how to freeze your credit.
Reach out if you'd like any more help with this.
-Mike Proctor, CFP®, RICP®, CVGA
President