When you’re in the process of placing a freeze, you’ll need some specific personal information to make sure everything is accurate and secure. How to Handle Credit Collection Services (CCS) on Your Credit Report And if you’re old school, you can even send them a written request by mail. However, if you prefer a more personal touch, simply give their dedicated line a call and they’ll help you freeze your credit over the phone. You can request it online through their secure website, where they’ll guide you step-by-step. Steps to Place a Credit Freeze at TransUnion Contacting TransUnion: Online, Phone, and Mail MethodsĪt TransUnion, they’ve made it really easy for you to place a credit freeze. Even if you’re not planning on opening new credit lines anytime soon, implementing a credit freeze helps mitigate risks and gives you peace of mind. This becomes especially relevant if a company you have an account with experiences a data breach or if you suspect unauthorized access to your personal information. It’s a proactive step that can provide an extra layer of protection for your financial well-being. If you’re worried about becoming a victim of identity theft, you might want to consider a credit freeze. Reasons to Consider a Freezing Credit Reports
Protect yourself with a credit freeze and safeguard your financial well-being. Since most creditors use credit reports for approval, denying them access to your file significantly reduces the risk of unauthorized credit. By opting in to this feature with the Credit Bureaus, you can effectively discourage identity thieves from opening new credit accounts, in your name.
Definition of a Credit FreezeĪ credit freeze or “security freeze” is a powerful tool of limiting access to your credit report. Don’t worry, it won’t impact your credit score either. A credit freeze with TransUnion, Experian and/or Equifax can provide you with peace of mind and ensure unauthorized access to your credit information is blocked.
Worried about data breaches or identity theft? Imagine having a powerful shield that protects your credit report from identity thieves and stops them from opening new accounts in your name. What is a Credit Freeze and Why You Might Need One