Credit Freeze

Whether or not your identity has been compromised you should consider a credit freeze.

Why: Unless you are going to be applying for a credit card or loan in the very near future it is advisable to place a credit freeze on your account at the three credit bureaus (Experian, Equifax, and TransUnion). This will protect you from someone trying to steal your identity and open lines of credit in your name which can take a lot of time and money to recover from.

Thanks to Federal law it is required that these credit bureaus provide you with the free ability to place such a credit freeze on your account and it can be done very easily online or over the phone. Links and phone numbers provided at the bottom of this message.

A credit freeze trumps all forms of credit monitoring and can even be placed on your kids credit too. Your job is to protect and provide for them so this is a logical step in protecting your kids whom are often the targets of identity theft from these criminal scumbags.

Another note: if at any point you need to apply for a line of credit these companies offer you the ability to temporarily release this credit freeze.

Experian Credit Freeze Link: Security Freeze Center at Experian
888-EXPERIAN (888-397-3742)

Equifax Credit Freeze Link: Credit Report Services | Equifax®

TransUnion Credit Freeze Link: Credit Freeze | Freeze My Credit | TransUnion | TransUnion