Credit Freeze
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Credit Freeze Guide
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Credit freezes are one of the most effective tools against economic ID theft available to consumers. They allow you to lock up your records and select a secret code that only you know and can use to temporarily "thaw" your credit. That added layer of security means that thieves can't do anything with your information even if they are able to obtain it.
Freezes have always been available for free to victims of ID theft. But recently all three of the major credit bureaus adopted new rules allowing more non-victims to have access to them than ever.
The cost is $10 per bureau. The total to freeze all three credit reports would be $30. (For Georgia residents, the cost will be $3 per bureau as of Aug. 1, 2008. It will be free for senior citizens and victims of ID theft with a valid police report.)
It will also cost you $10 per bureau each time you want to unfreeze or "thaw" your records to apply for new credit. The fees are paid directly to the bureaus and not to a third party. The three credit bureaus are TransUnion, Experian, and Equifax.
Freezes have always been available for free to victims of ID theft. But recently all three of the major credit bureaus adopted new rules allowing more non-victims to have access to them than ever.
The cost is $10 per bureau. The total to freeze all three credit reports would be $30. (For Georgia residents, the cost will be $3 per bureau as of Aug. 1, 2008. It will be free for senior citizens and victims of ID theft with a valid police report.)
It will also cost you $10 per bureau each time you want to unfreeze or "thaw" your records to apply for new credit. The fees are paid directly to the bureaus and not to a third party. The three credit bureaus are TransUnion, Experian, and Equifax.
Full instructions for requesting your credit freeze are available at TransUnion.com, Experian.com and Equifax.com.
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