Data breaches expose consumers’ Personally Identifiable Information (PII) at an alarming rate, and continue to place people at risk of identity theft and fraud.
What is a Credit Freeze?
Think of it as locking away a valuable item until you need it again. When that time comes, you can unfreeze your credit report and once again allow lenders access.
Should I use a Credit Freeze?
Whether you’re a victim of credit or identity fraud or choosing to be proactive against this type of crime, a freeze is a great option for protecting yourself.
This process is quick as once you contact the credit bureaus by phone or online they must put the freeze in place within 1 business day.
Here is the contact information for the three credit bureaus:
This simple process does not cost anything nor does it affect your credit score. If you want to freeze your credit, you need to do it at each of the three major credit bureaus.