You'll need to provide your full name, address, date of birth, email address, and SSN. ExperianĮxperian has an online Security Freeze Center where you can start and manage your freeze. To begin or manage a freeze by phone, contact the Equifax call center at 80. Once the account is set up, you can manage your freeze, check your credit report, and start or monitor a dispute. You'll also create a password so you can access your account. You must supply your name, address, date of birth, Social Security number and mobile phone number so Equifax can verify your identity. EquifaxĮquifax requires you to create a myEquifax account to manage online access to your credit file. All three have a snail mail option, too, but online is the easiest way to go. You can apply for a freeze online or by phone. They all have a slightly different process. You must freeze your credit individually with each of the three major credit bureaus – Equifax, Experian, and TransUnion. If you want to apply for new credit or a loan, you can lift the freeze with a PIN or a phone call. When your credit file is frozen, creditors can't check your report, preventing someone who has your personal information from opening a new credit line in your name. The three major credit card companies all give you the option of freezing your credit. If you see inaccuracies in our content, please report the mistake via this form. If we have made an error or published misleading information, we will correct or clarify the article. Our editors thoroughly review and fact-check every article to ensure that our content meets the highest standards. Our goal is to deliver the most accurate information and the most knowledgeable advice possible in order to help you make smarter buying decisions on tech gear and a wide array of products and services. ZDNET's editorial team writes on behalf of you, our reader. Indeed, we follow strict guidelines that ensure our editorial content is never influenced by advertisers. Neither ZDNET nor the author are compensated for these independent reviews. This helps support our work, but does not affect what we cover or how, and it does not affect the price you pay. When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions. And we pore over customer reviews to find out what matters to real people who already own and use the products and services we’re assessing. We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. You can create an account at 's recommendations are based on many hours of testing, research, and comparison shopping. When you create a mySocial Security account, you can claim your Social Security number and prevent someone else to make transactions in your name. If your Social Security number has been stolen, you can call the Social Security fraud hotline at 1-80 or report it to the Federal Trade Commission website. Report your stolen Social Security number If you discover that someone has taken out credit in your name, you can use these credit reports to help restore your credit. To learn more, visit the Annual Credit Report website. You can use these reports to search for activity you don’t recognize. Review on the Annual Credit Report siteĮvery 12 months, the Annual Credit Report website gives you credit reports at no charge from all 3 credit bureaus. When you contact a credit bureau, that bureau tells the other 2 bureaus to place a fraud alert on your reports. To place a fraud alert, you only need to contact one of the 3 credit bureaus: Before you open a credit account, the business that issued the credit must verify your identity. To place a credit freeze, you need to contact all 3 credit bureaus:Ī fraud alert makes it harder for someone to open a new credit account in your name. If you need to apply for new credit while the freeze is in place, you can temporarily lift the freeze. To prevent this issue, you can follow these steps: Place a credit freezeĪ credit freeze restricts access to your credit report, so that anyone can’t open a new credit account. Someone else can use your name, Social Security number (SSN), address, and date of birth to take out credit in your name.
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