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Should I Have My Credit Frozen?
This is better known as having a security freeze on your credit report to assist in detouring and hopefully eliminating individuals from using your credit information without your permission or knowledge. A security freeze can also assist in the prevention of identity theft. The cost of having a security freeze placed on your credit report is minimal compared to the overall identity theft protection products that are currently available to the consumer. In many instances you may be paying as much as $15 per month for identity theft protection that may not be effective in preventing your identity from being stolen. The cost of placing a security freeze on your credit report with each credit bureau is approximately $10 if you are under the age 65. If you are age 65 or older, the cost of placing a security freeze on your credit report with each credit bureau is approximately $5. The overall cost to have a security freeze placed on your credit report file would depend on the laws of the state where you reside. In many states, if you are a victim of identity theft there is no cost to place a security freeze on your credit report file with each credit bureau. A security freeze to protect your credit file is available to all consumers in the United States and U.S. territories. You may be wondering, how do I add a security freeze to my credit reports? Well, you can start by contacting each of the following credit bureaus directly to start the process: TransUnion, Equifax, and Experian. So, having a security freeze on your credit report file may be something you may want to consider. By having a security freeze with each credit bureau, this may aid you in protecting yourself against identity theft. In addition, if you have already been a victim of identity theft, freezing your credit report file, may help eliminate further problems with your credit information. You may want to visit the following websites for each of the credit bureaus to get started with obtaining your security freeze for each of your credit reports:
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