Quote:
Originally Posted by TrudyM
Ok I have usually agreed with your advice on this forum so I guess I will have to figure out how to freeze my credit reports. The info should be online somewhere.
And I think Experian is terrible, any time we have moved and bought a new home Experian has had our info all wrong they keep adding our son's credit items into our account even though his first name is different and he is in his 30's, luckily he pays his bills on time.
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Here is all the information and links needed on how to freeze it at all reporting agencies.
First pull the free annual report from each agency and make sure it's correct. Make sure you save all the passwords and pin numbers in a safe place so that you can unfreeze them when needed. And I bet that EVERYONE who does this will find they have problems with Experian and the other two go smooth. And Experian will try to get you to buy a report vs giving it to you free as required by law. Don't give in. Make them provide it. They will try scare tactics, false information, ask security questions that no matter what you answer they will claim it's wrong, anything to get you to pay. Don't do it.
Below you'll find directions and links to assist you in obtaining your credit freeze or thaw from each bureau:
EQUIFAX CREDIT FREEZE - [Website]
• Credit freezes may be done online or by certified mail - return receipt requested.
• Check your state's listing for the exact cost of your credit freeze and to see if there is a reduction in cost if you are a senior citizen. (FL is free for over 65)
• Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.
• If your PIN is late arriving, call 1-888-298-0045 . They will ask you for some ID and arrange for your PIN to be sent to you in 4-7 days.
• Unfreeze: Do a temporary thaw of your Equifax credit freeze by snail mail, online or by calling 1-888-298-0045 .
EXPERIAN CREDIT FREEZE - [Website]
• Credit freezes may be done online or by certified mail - return receipt requested.
• Check your state's listing for the exact cost of your credit freeze and to see if there is a reduction in cost if you are a senior citizen.
• Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.
• You can also freeze a child's credit report. The information contained at this link is applicable for all three credit bureaus. You must first write a letter to each bureau to learn if your minor child has a credit report and if so, then you can proceed to freeze it.
• Unfreeze: Do a temporary thaw of your Experian credit freeze online or by calling 1-888-397-3742 .
TRANSUNION CREDIT FREEZE - [Website]
• Credit freezes may be done online, by phone ( 1-888-909-8872 ) or by certified mail - return receipt requested. (Some users have reported difficulty with the online method. Please try one of the other options if you too experience difficulty.)
• Check your state's listing for the exact cost of your credit freeze and to see if there is a reduction in cost if you are a senior citizen.
• Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.
• Unfreeze: Do a temporary thaw of your TransUnion credit freeze online or by calling 1-888-909-8872 .
Link for sample letter.
Sample Letter To Request a Credit Freeze | www.clarkhoward.com