Placing a freeze on your account is an extreme step and might not be necessary, especially if you don’t know for sure that you’re personal information was compromised or stolen.
A freeze blocks anyone from accessing your credit reports without your permission. It can be an inconvenience for you, too. If you want to take out a loan or open a new credit card, you’ll have to contact the reporting agency to temporarily remove the freeze. Fees to freeze your account vary by state, with Ohio charging only $5.
Here’s a link to the FTC’s website.
Call the following…
- FREE Equifax: (800)685-1111 or https://www.freeze.equifax.com PIN: they set it up for you, save it.
- Experian: (888)397-3742 or https://www.experian.com/ncaconline/freeze PIN: you set (use max of ten digits), save it.
- TransUnion: (888)909-8872 or https://freeze.transunion.com PIN: you set it (use max of six digits), save it.