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Tuesday, August 7, 2018

TNT UPDATE, 7 AUGUST

Actech426:  Google: What is a credit freeze? Also known as a security freeze, this tool lets you restrict access to your creditreport, which in turn makes it more difficult for identity thieves to open new accounts in your name…..Freezing your credit is the best way to keep criminals from accessing your credit without your consent.

If you want to freeze your credit, you’ll need to contact each of the three major credit bureaus individually; each has a slightly different process. Generally, you need to provide your Social Security number, birthdate and other information confirming your identity.

Equifax: Call 800-349-9960 or go online. Check out a step-by-step Equifax credit freeze guide

Experian: Call 888‑397‑3742 or go online. Here’s a detailed walk-through on a credit freeze with Experian.

TransUnion: Call 888-909-8872 or go online. Read our TransUnion credit freeze guide.

Once a credit freeze, also known as a security freeze, is in place, it secures your credit file so nobody can access it unless you give direct authorization to the credit bureaus, usually through a PIN.

DixieB:  I work for Experian, we have a web site specifically for freezing your credit. Experiain.com/freeze It will answer all your questions as well.

Fullsail:  Note: giving that highly important security info Online is NOT being safe, be careful, imo.

Fullsail:  Example is ID Theft, they TRY to use your credit to establish new loans, credit cards, etc. , with credit frozen YOU are notified of any activities involving the use of your credit, thus those attempts are thwarted....until YOU want to use your credit, you unlock, use, then ReLock as needed which is not often.

Eccl519:  As for credit freeze (which I have done in the past) You don't Freeze your credit completely...when you call you do a temp freeze for 6 mo's or so then it returns to normal. you will have to call again in that time period. How it works, anyone accessing your credit including you for any reason will be notified or called by the credit bureau and they will ask if you want to proceed with the inquiry. It's actually very smartt to do that and doesn't effect credit at all

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