f you haven’t frozen your credit reports yet, this could be your moment.
Under the Economic Growth, Regulatory Relief, and Consumer Protection Act, freezing your credit at all three major credit bureaus — Equifax(1-800-525-6285), Experian (1-800-397-3742) and TransUnion ( 1-800-680-7289). Now is for free, previously, states set prices for credit freezes, which typically cost about $10.
Other links of importance
• Federal Trade Commission www.ftc.gov
• Identity Theft Hotline 1-877-438-4338
• Social Security 1-800-269-0271
• Another tool you might want to look at is Lock & Alert
Equifax offers a Lock & Alert service allows you to lock and unlock your Equifax credit report for free, online or with the Equifax Lock & Alert app. By locking your credit report, you can restrict access to it by third parties, with certain exceptions. These exceptions, for instance, may include lenders and creditors where you have existing accounts. Federal, state and local government agencies are also exceptions.
Locking your Equifax credit file will prevent access to it by certain third parties. Locking your Equifax credit file will not prevent access to your credit file at any other credit reporting agency. Entities that may still have access to your Equifax credit file include: companies like Equifax Global Consumer Solutions which provide you with access to your credit report or credit score, or monitor your credit file; federal, state, and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com.
Federal Trade Commission www.ftc.gov
Identity Theft Hotline 1-877-438-4338
Social Security 1-800-269-0271
Another tool you might want to look at is Lock & Alert