Call equifax security freeze9/5/2023 ![]() ![]() Credit FreezeĪ credit freeze offers the opportunity to lock down your credit, stopping a thief from using your information to open a new credit account. They will also notify the other two credit bureaus on your behalf. Follow the instructions to place your fraud alert. The other two credit bureaus will automatically be notified on your behalf. We recommend you print it and review it carefully. You will also be provided access to your credit report. At the bottom of the page, click on Fraud Alert. You will be given the option to add a temporary, one-year fraud alert – simply complete the form and verify your identity. Fraud alerts can be placed online, or you can call the credit bureau directly – directions for each method are below, and Experian will even notify the other two credit bureaus on your behalf. There are many lenders such as “Quick Cash” outlets and other vendors that do not use credit reports prior to their lending activity so fraud alerts can be of limited value but are certainly worth considering. When a fraud alert is present on your report, creditors are supposed to verify your identity before extending credit, usually with a phone call. A fraud alert can make it tougher for a thief to open accounts in your name. You can add a fraud alert to your credit report for up to one year under new legislation to help protect your credit information. In addition, please be aware that access to your credit report is free and that none of the additional services offered at or the credit bureau sites are necessary to retrieve your free report. Remember that your spouse is eligible for the same free consumer services and checking both of your reports, if applicable, is highly recommended. employment, medical, criminal, benefit, and Social Security fraud), monitoring your credit report has significant limitations and is not an effective tool by itself. ![]() However, since not all lenders access credit bureau reports prior to extending credit, and identity theft involves much more than just credit-related fraud (i.e. We strongly recommend a self-monitoring method of accessing your free credit reports throughout the year. This site allows you to request your free consumer credit report once a year from each of the nationwide consumer credit reporting agencies: Equifax, Experian, and TransUnion. However, when used in conjunction with an ID theft protection plan from Zander Identity Theft Solutions, these proactive measures will ensure that you are well protected if you do become a victim. Please note that while placing a fraud alert, freezing your credit, and checking your credit report are all valuable tools in reducing your risk, ID theft is not a preventable crime and none of these efforts will completely eliminate the possibility of you becoming a victim. Noted below are a few links to free consumer services that may prove beneficial in your efforts to combat your identity being stolen. ![]()
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