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With your online transunion account up, you’ll be able to navigate through the necessary steps effortlessly and ensure that your freeze request is handled promptly and efficiently. This account not only makes it easy to submit and manage your freeze request but also adds convenience to the entire process. If you’re making an online freeze request, you’ll need to create a TransUnion account. This includes your full name, address, date of birth, full address and social security number, and other important details. 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
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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.
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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. Since September of 2018, a federal law has allowed people to freeze and unfreeze their credit without being charged.What is a Credit Freeze and Why You Might Need One A written confirmation letter will be sent within ten business days that includes a personal identification number (PIN) to permit you to grant authorization to your credit report to a third party or for a specific period of time. You also can lift the freeze temporarily without a fee. If you make your request by mail, the agency must place or lift the freeze within three business days after it gets your request. If you request a lift of the freeze, the agency must lift it within one hour. If you request a freeze online or by phone, the agency must place the freeze within one business day. Include your full name, address, Social Security number, proof of address (such as phone or utility bill), photocopy of a government issued identification card (driver’s license or ID card, military ID, etc.) and payment. In order to put a security freeze notice on your credit report, you must write to each of the three credit rating agencies below, by certified letter or by another secure method the agency authorizes: HOW DO I PUT A SECURITY FREEZE ON MY CREDIT REPORT?
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A security freeze would also forbid credit rating agencies from releasing any information from the credit report without permission from the consumer. This can help protect the consumer from identity theft, even if someone has their name and Social Security number. The purpose of the security freeze is to prevent access to the credit report by anyone without authorization by the consumer. 05-148: An Act Requiring Consumer Credit Bureaus to Offer Security Freezes”( ) posted on the Connecticut General Assembly website and “Security Freeze Information” ( Consumers Union’s Guide To Security Freeze Protection () posted on the Consumers Union website.Įffective January 1, 2006, Connecticut residents can request that a “security freeze” be placed on their credit reports by a credit rating agency. The following is summarized from “Public Act No.