Credit Freeze and Thaw Guide
From Clark Howard.com
Credit freezes are one of the most effective tools against economic ID theft available to consumers. They allow you to seal your credit reports and use a personal identification number (PIN) that only you know and can use to temporarily "thaw" your credit so that legitimate applications for credit and services can be processed. That added layer of security means that thieves can't establish new credit in your name even if they are able to obtain your ID.
Freezes have been available for free to victims of ID theft for some years, but recently all three of the major credit bureaus adopted new rules allowing non-victims to have access to credit freezes as well for a small fee. In addition, most states and Puerto Rico have adopted laws establishing credit freezes for residents of their state.
The cost ranges from $3-$10 per person per bureau to freeze a credit report; a couple of states have higher fees. See specific info for your state with the links below.
The cost to "thaw" your reports for one creditor -- or for a specific period of time -- range from being free to $10.
To read the entire article from Clark Howard.com:
http://www.clarkhoward.com/news/clark-howard/personal-finance-credit/credit-freeze-and-thaw-guide/nFbL/
There is no passion to be found playing small—in settling for a life that is less than the one you are capable of living. — Nelson Mandela
at Dave Ramsey.com.
Freezes have been available for free to victims of ID theft for some years, but recently all three of the major credit bureaus adopted new rules allowing non-victims to have access to credit freezes as well for a small fee. In addition, most states and Puerto Rico have adopted laws establishing credit freezes for residents of their state.
The cost ranges from $3-$10 per person per bureau to freeze a credit report; a couple of states have higher fees. See specific info for your state with the links below.
The cost to "thaw" your reports for one creditor -- or for a specific period of time -- range from being free to $10.
To read the entire article from Clark Howard.com:
http://www.clarkhoward.com/news/clark-howard/personal-finance-credit/credit-freeze-and-thaw-guide/nFbL/
There is no passion to be found playing small—in settling for a life that is less than the one you are capable of living. — Nelson Mandela
at Dave Ramsey.com.
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