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Valued Social Butterfly

Re: Get your credit frozen

Message 1 of 2

VERY GOOD ADVICE, retiredtraveler


I might also add that in many states, seniors can freeze, unfreeze credit for free with each of the reporting credit data agencies.


In many states, you can also receive your annual credit report for for free from each of the agencies for monitoring each credit supplier and their correctness.


In fact, it might be a good idea to review your credit report in whatever way you want to do it, to make sure it is right, including the personal info which each of the credit reporting agencies has on you and then free your credit.


Remember that your personal data has to be correct for the agencies to send your report to you.  So if you have moved recently or changed your name, it will be harder to do online or even over the phone.  

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Trusted Social Butterfly

Get your credit frozen

Message 2 of 2

   The recent Equifax hack was mentioned in another thread.  I wanted to be sure people understand that they need to take care of their financial business if they have bank accounts, credit cards, have purchased a house and/or auto, or other major purchases.

   All of your credit data is tracked by the 3 credit companies: Equifax, Experian and TransUnion.

Everyone should have themselves set up with an account on all three credit agencies. This can be done online and only takes about 10 minutes per site. Once you have set up the accounts, you can freeze/unfreeze your credit reporting as well as monitor your credit background, which everyone should be doing at the least, on an annual basis.

   If you pay attention to your credit background, you'll keep yourself as safe as possible. No one is immune from identify theft, but keeping a freeze on your credit background until you need to unfreeze it to allow someone to check, such as is done when making a major purchase or applying for a credit card, will help a great deal.


Just think. The world was built by the lowest bidder.
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