Now that I have your attention, are you and your credit protected from Identity Theft Thieves? Do you monitor your credit and utilize the protective tools that are available at no cost to you, like a Credit Freeze?
A Credit Freeze protects you from identity thieves opening new accounts in your name. It shuts down access to your credit to any new creditors.
Only those you specifically name will be authorized to view your credit information.
A freeze will remain active unless you request a temporary lift or removal.
Freezes do not protect against current account fraud.
- There are three types of Fraud Alerts-
Active Duty Military
These alerts allow creditors to review your credit and scores but they must take additional steps to verify your identity first.
Adding a freeze-
You must contact each credit reporting agency and request a freeze.
You must validate your identity –
name, address, date of birth and social security number –
after which you will receive a PIN code that allows you to freeze and unfreeze your report as needed.
Thawing a freeze-
You can allow creditors access to your credit reports by contacting each credit reporting agency and naming the creditors and a specific period of time. The credit bureau must lift your freeze within three business days of receiving your request.
Removing a freeze-
You can remove the freeze from your reports by contacting each credit reporting agency. The credit bureau must remove your freeze within three business days of receiving your request.
CHECK YOUR CREDIT TODAY! It’s also wise to have credit monitoring with ID Theft protection. I have a direct relationship with Identity IQ and offer a $1.00 Credit Report only through our App-
For your $1.00, 3 bureau credit report,
text 700CR to 36260,
download the app and click on $1.00 Credit Report.
Bureau Contact Information to place a freeze-
Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348
Experian Security Freeze
P.O. Box 9554
Allen, TX 75013
P.O. Box 2000
P.O. Box 2000
Chester, PA 19016