How to freeze your credit reports to protect your identity | Credit Freeze
How to freeze your credit report to protect your identity from scammers and thief’s. Identity theft happens every day. Identity theft is real and it can have a serious effect on your life should it occur to you. Once it has happened it can be really challenging to overcome. People can open accounts in your name, open bank accounts and strip your account, they can even file your taxes and take your tax refund. It is serious business and you need to protect yourself.
I am going to show you how to freeze your credit for absolutely free. There are a number or monitoring tools that you can use to make sure you are not already a victim. You can get your annual credit report for free once a year here. But if you are building credit or protecting credit, you might want to review your report more often. This vital credit tool does come with a monthly fee but it is free from advertisements and does not spam you every week like Credit Karma . Credit Karma will only provide 2 of the 3 credit bureaus.
Credit is vital to live a life less stressful and at a lower cost. You will need the best credit monitoring service that provides you ALL 3 credit reports. I recommend IdentityIQ for this. Join this at a discount when you visit and get your credit report.
How to do an Equifax credit freeze
You can freeze your credit with Equifax on their website, or via an automated phone line: 1-800-685-1111 (1-800-349-9960 for New York residents). To speak to a human call 1-888-298-0045.
How to do an Experian credit freeze
To freeze your credit at Experian visit their online Freeze Center. You can also call 1-888-397-3742.
How to do a TransUnion credit freeze
TransUnion allows you to do a credit freeze online. You can also add a freeze via the automated phone system (or opt to speak to a human) by calling 1-888-909-8872.
If you need additional help with credit or if you want to purchase or refinance your home, I am here to help you.
Richard Woodward
NMLS 217454
Your Local, Direct, 5 Star Rated Mortgage Lender, Specialty Lending Manager
Office: (214) 945-1066
Service First Mortgage NMLS 166487
6800 Weiskopf Ave #200, McKinney, TX 75070
Licensed by the Texas Department of Savings and Mortgage Lending (SML) Mortgage Banker Registration, AZ 0924237, CO, FL MLD1342, KY MC358087, OH SM.501988.000, OK ML01483. Service First Mortgage is an Equal Housing Lender. This is not an offer of credit or commitment to lend. Loans are subject to buyer and property qualification. Rates and fees are subject to change without notice.
