Credit Freezing and Unfreezing: Now Free!

When Equifax was hacked a while back there was social media outrange when their solution was for individuals to freeze their credit reports. The issue? They would change the individual a fee to freeze your credit report and then another to unfreeze.  The Economic Growth, Regulatory Relief and Consumer Protection Act enacted in May 2018 had the hidden benefit that it is now free in every state to freeze and unfreeze your credit file and that of your dependents.

If you’ve been holding out because you’re not particularly worried about ID theft, here’s another reason to reconsider: The credit bureaus profit from selling copies of your file to others, so freezing your file also lets you deny these dinosaurs a valuable revenue stream.

Individuals much contact each of the three major credit bureaus to file a freeze/unfreeze request:

Equifax Freeze Page
800-685-1111

Experian
888-397-3742

TransUnion
By Phone: 888-909-8872

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