What Is A Credit Freeze. Learn When And How To Do It
Unlocking The Power Of Credit Freezes: Protect Your Identity And Manage Your Financial Future Effectively
50,000 Bonus Miles After You Spend $3,000 On Purchases In The First 3 Months From Account Opening
2X miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges
2X miles per $1 spent on dining, including eligible delivery services.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.
5% cash back on Lyft rides through March 31, 2025
Earn 50,000 points after you spend $1,000 on purchases in the first 3 months from account opening.
2X points for each dollar spent on local transit and commuting, including rideshare
2X points for each dollar spent on select streaming
20,000 Bonus Miles After You Spend $1,000 On Purchases In The First 3 Months From Account Opening
2X miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, baggage service charges and other United purchases
2X miles per $1 spent at gas stations
2X points on travel
1X points on rent payments without the transaction fee up to 100,000 points each calendar year
3X points on dining
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Plus, get up to $300 in Chase Travel statement credits in the first year of account opening for any purchases made on Chase Travel.
5X points on Lyft rides through March 31, 2025
3X points on select streaming services
3X points on online grocery purchases (excluding Target, Walmart and wholesale clubs)
3X points on dining, including eligible delivery services, takeout and dining out
90,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening.
5X points per $1 on Lyft rides through March 31, 2025
3X points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year: Shipping purchases, Advertising purchases made with social media sites and search engines, Internet, cable and phone services, Travel
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year.
3% on drugstore purchases
5% cash back on Lyft rides through March 31, 2025
3% on dining at restaurants, including takeout and eligible delivery services
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Travel℠. Plus, Chase Travel℠ rewards points do not expire as long as the account is open.
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
View your FICO® Score anytime, with no impact to your score. It's updated monthly and easy to find on the Citi Mobile® App and Citi® Online. See the key factors affecting your score and more.
Earn up to $240 back toward your qualifying AT&T wireless bills every year - it pays to be an AT&T wireless customer. Every billing cycle, earn $20 back as a statement credit after you spend $1000 on purchases or $10 back as a statement credit after you spend $500-$999.99 on your AT&T Points Plus? Card.
Means you won't be held responsible for unauthorized charges made with your card or account information.
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Means you won't be held responsible for unauthorized charges made with your card or account information.
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them. For assistance, call 1-800-847-2869. Refer to your Guide to Benefits for more information. Terms apply.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Get a complimentary 3 months of DashPass, DoorDash's membership that provides unlimited deliveries with $0 delivery fee and reduced service fees on eligible orders on DoorDash and Caviar. After that, you are automatically enrolled in DashPass at 50% off for the next 9 months. Activate by December 31, 2024.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
Earn 5% cash back on Lyft rides through March 31, 2025. That's 3.5% cash back in addition to the 1.5% cash back you already earn.
Get up to $300 in statement credits each year when you pay for an Equinox+ digital subscription with live and on-demand classes, or an Equinox club membership (subject to auto-renewal) with your Platinum Card®.
Get rewarded to and from the airport. Enroll and earn up to $10 in statement credits each month after using your Card on U.S. rideshare purchases with select providers. That's up to $120 back each year.
Get rewarded to and from the airport. Enroll and earn up to $10 in statement credits each month after using your Card on U.S. rideshare purchases with select providers. That's up to $120 back each year.
When you use your enrolled Delta SkyMiles(R) Platinum American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $10 back each month in statement credits.
With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
Work out at home with Equinox+ and get up to $120 back annually. Use your Blue Cash Preferred® Card to pay for a subscription1 to Equinox+ at equinoxplus.com and receive $10 in monthly statement credits.
Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Effective September 26, 2024, Milk Bar and Shake Shack will no longer be participating partners for the $120 Dining Credit and 'Enrollment required' for select benefits
Earn a $100 United travel credit after 7 United flight purchases of $100 or more within each card anniversary year.
Get up to $100 back per year as a statement credit after using your Delta Gold Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com/stays.
Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year.
Get a $7 monthly statement credit after using your enrolled Blue Cash Preferred® Card to spend $9.99 or more each month on a subscription1 to the Disney Bundle. Valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S.
You and any authorized users on your account are eligible for Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland, subject to availability.
Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.
Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.
Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.
You won’t be held responsible for unauthorized charges made with your card for account information. If you see an unauthorized charge, simply call the number on the back of your card.
You won't be held responsible for unauthorized charges made with your card or account information.
Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Get complimentary Visa Signature Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Earn a Travel Together Ticket every calendar year you make $30,000 in purchases on your British Airways credit card. Valid for two years when you redeem Avios for a flight on British Airways for a companion traveling on the same flight, or use it for a 50% discount on the Avios price you pay when booking a solo reward flight.*Opens offer details overlay For more details, visit ba.com/TravelTogetherTicketOpens Overlay.
4 Upgraded Boardings per year when available.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.
With your Delta SkyMiles Reserve American Express Card receive upgrade priority over other Medallion members within the same Medallion level and fare class grouping.
Starting with your first anniversary, you'll get 5,000 miles back in your MileagePlus® account after you take a United® or United Express-operated award flight booked with your miles - up to 2 times every anniversary year.
Receive statement credits of $100 for Economy and Premium Economy - or $200 for Business and First Class seats - three times per year, up to $600, when you book a reward flight to London travelling on British Airways and pay taxes, fees and carrier charges with the British Airways Visa Signature® Card.
Receive a statement credit of up to $100 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when charged to your card.
Take 15% off when booking Award Travel with miles.
Take 15% off anytime you book Award Travel with miles on Delta flights when using delta.com and the Fly Delta app.
Take 15% off anytime you book Award Travel with miles on Delta flights when using delta.com and the Fly Delta app.
Take 15% off anytime you book Award Travel with miles on Delta flights when using delta.com and the Fly Delta app.
When you redeem points for a consecutive four-night IHG® hotel stay, you can receive a fourth Reward Night free redeemable at that same hotel during that same stay.
When you redeem points for a consecutive four-night IHG® hotel stay, you can receive a fourth Reward Night free redeemable at that same hotel during that same stay.
Sapphire Preferred Instacart+ members earn up to $15 in statement credits each quarter through July 2024.
Your new purchases will be covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
Shop with added confidence and Purchase Protection♦, which can help protect Covered Purchases made with your Eligible Card against accidental damage and theft for up to 90 days from the Covered Purchase date. Coverage Limits Apply.
When an American Express Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.
Earn 10x total points on Lyft rides. Plus, get a complimentary 2 year Lyft Pink All Access membership including member-exclusive pricing and benefits – activate by Dec 31, 2024. Membership auto renews annually.
Earn 5x points on Lyft rides through March 31, 2025. That's 3x points in addition to the 2x points you already earn on travel.
The Active Cash Card offers you a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties. Benefits include room upgrade, late check-out and complimentary breakfast. Visit Visa Signature Hotel Collection7 and learn more.
Enjoy a premium collection of benefits at a selection of
the world’s most intriguing and prestigious properties.
Learn more about the Visa Signature Hotel Collection
at VisaSignatureHotels.com
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Why is it that as soon as a Manufacturer's Warranty runs out, something always seem to happen? Use your Eligible Card for Covered Purchases and you can have warranty protection for longer. Extended Warranty matches the Original Manufacturer's Warranty for up to one additional year when you use your Eligible Card. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. Please read important exclusions and restrictions.Coverage limited to the actual amount charged on your Card for the item up to $10,000 per item and $50,000 per calendar year.
Why is it that as soon as a Manufacturer's Warranty runs out, something always seems to happen? Use your Eligible Card for Covered Purchases and you can have warranty protection for longer. Extended Warranty matches the Original Manufacturer's Warranty for up to one additional year when you use your Eligible Card. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
What if the color fades on your new flat-screen TV? Or your food processor starts rattling instead of slicing and dicing? Chances are it will happen right after the Manufacturer's Warranty runs out. Fortunately, when you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories. Please read important exclusions and restrictions.
What if the color fades on your new flat-screen TV? Or your food processor starts rattling instead of slicing and dicing? Chances are it will happen right after the Manufacturer's Warranty runs out. Fortunately, when you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories. Please read important exclusions and restrictions.
Earn 5 Avios for every $1 spent on gas, grocery stores and dining for the first 12 months of account opening, or until you reach $10,000 in combined purchases. Normally, these category purchases earn 1 Avios.
Premier qualifying points (PQP) help you earn MileagePlus Premier® status, which provides you with an enhanced travel experience. You'll earn 500 PQP for every $12,000 you spend on purchases with your United℠ Business Card (up to 1,000 PQP in a calendar year) that can be applied toward your Premier status qualification, up to the Premier 1K level. Visit for details about earning Premier status.
Premier qualifying points (PQP) help you earn MileagePlus Premier® status, which provides you with an enhanced travel experience. You'll earn 500 PQP for every $12,000 you spend on purchases with your Explorer Card (up to 1,000 PQP in a calendar year) that can be applied toward your Premier status qualification, up to the Premier 1K level. Visit for details about earning Premier status.
Get one Free Night Award every year, after your Card renewal month. And earn another Free Night Award after you spend $60,000 in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at over 7,000 hotels participating in the Marriott Bonvoy program worldwide. Certain hotels have resort fees.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Complimentary access to 1,300+ airport lounges worldwide with up to two guests, including every Chase Sapphire Lounge by The Club, after an easy one-time enrollment in Priority Pass™ Select.
Enjoy complimentary access to The Centurion® Lounge when you book your Delta flight with your Reserve Card.
When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion Lounge or Escape Lounge–The Centurion Studio Partner.
Get VIP access to benefits at SLS, Mondrian, Delano, House of Originals and Hyde hotels and resorts around the world. Cardmembers can stay a little longer with a complimentary 4th night and receive room upgrades, late checkouts, daily complimentary breakfast, a $30 food and beverage credit and much more.
Citi Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more.
Let Citi Entertainment bring the fun to you. Through the Citi Entertainment program you can enjoy access to music, sports, culinary experiences and more ' from virtually anywhere.
Citi Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.
7,500 points every year on your Cardmember anniversary.
Receive 6,000 bonus points each year after your Cardmember anniversary.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases.
Unlocking The Power Of Credit Freezes: Protect Your Identity And Manage Your Financial Future Effectively
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In May 2018, Congress signed the Economic Growth, Regulatory Relief, and Consumer Protection Act. Thanks to the Act, you can now freeze and unfreeze your credit report for free, nationwide.
But just because something is free doesn’t mean you should do it. In this post, we will discuss everything you may want to know about credit freezes. So, before you put your credit on ice, here is what you need to know.
Identity theft is on the rise. The FTC estimates that over 9 million identities are stolen each year!
In order for thieves to open credit cards or any other tradeline under your name, the lenders will need to be able to pull one or all of your credit reports. Freezing your credit report basically locks out any thief from applying for any tradelines under your name.
Once your report is frozen, no one is able to view it until you unfreeze it. Every time you want to apply for credit, mortgage, and even sometimes just to get an insurance quote, you will need to unfreeze your credit reports. You can also give a bank access to your credit report by generating a temporary code.
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The law requires that all three credit bureaus must freeze your credit report for free within 24 hours from when you submit a request online or by phone.
Here is where you can request to freeze your credit with the three credit bureaus:
Experian
Experian also has an option to easily lock your credit report but you must have an Experian premium membership in order to do so. You can often get a 7-day free trial for the Premium membership. Experian lock is the easiest way to freeze your credit report. It takes a second to literally click on the lock button and lock your report, and same with unlocking it. You can sign up here.
Equifax
TransUnion
If you are freezing your credit report online or by phone, you need your:
When freezing by mail, you need to send the following:
When you set up the credit freeze, you will be asked to set up a security pin. You can, at any time, unfreeze your credit for a short period of time, or for good, by submitting a request online or by phone (use the above contact information) with the security pin or by answering other security questions.
The credit bureaus must lift the credit freeze within an hour of you submitting a request to lift the credit freeze.
Many people have been reporting that they are having issues lifting security freezes online from their Experian credit report. If that’s the case, then you will need to do it by phone (this is not fun!).
Yes! You can freeze a minor or an incapacitated consumer’s credit report. The process for this is different between the credit bureaus, so follow the steps found on their websites.
Ice-cold credit may be a big headache if you’re the type of person, like me, who uses your credit very often. It may also affect your chances of receiving pre-qualified credit card offers (I like them).
If you decide not to freeze your credit report, then at least monitor it. I wrote a great post on the best websites where you can monitor your credit for free.
Here is where you can order copies of your bank screening reports:
Innovis
NCTUE
ChexSystems
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