It is necessary to inform all three. Like VT said, if you're over 65 and a Florida resident, no charge. However, they can levy a $10 charge if you lift it temporarily. The PIN# should be kept in a safe place. If you want to lift it to buy something or get a new credit card, ask the vendor which credit bureau they intend to use. If they tell you they don't know, it is a "random check," then lift one and see if that works. Always only allow a few days the before lift expires.
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