Protect Yourself and Report the Latest Frauds, Scams, Spams, Fakes, Identify Theft Hacks and Hoaxes
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Security freeze laws allow you as a consumer to prevent identity theft by freezing access to your credit reports for obtaining new credit. This means that no one can open a new credit card in your name and run up a bill. The three major credit reporting companies (Equifax, Experian and TransUnion) have agreed, voluntarily, starting in January 2008, to allow all consumers to freeze their credit - for a fee.
TransUnion and Experian don't charge identity-theft
victims
to put a credit freeze on their files. But other
consumers (those who haven't been victimized) must pay $10 to each of the credit
bureaus to freeze their reports, unless they live in a state that mandates a
lower fee (see the list below). Equifax still hasn't provided details on its
fees. But it will probably charge the same as the others, meaning that freezing
all three of your credit reports will cost you $30 (per person, meaning married
couples would pay a total of $60).
If you are in a state that does not have a law to govern it, the credit bureaus
also charge a fee to lift (or "thaw") the freeze. TransUnion and Experian will
charge you $10 for this service (Equifax has not yet announced their fee).
Again, unless your state mandates a lower fee, you will have to pay a total of
$30 (per person) to remove the freeze each time you apply for a mortgage, car
loan or other type of credit.
In general, under the voluntary agreement, to place a freeze, click on the blue link or call their phone number:
Equifax Credit Freeze Instructions - 1-800-525-6285
Experian Credit Freeze Instructions - 1-888-397-3742
TransUnion Credit Freeze Instructions - 1-800-680-7289
Some states have specific laws that may force a lower freeze/unfreeze rate or other provisions. See the chart below. If your state law has specific freeze allowances, click on the links below for more information about how to do it in that state - if you state law does not provide for a freeze or only provides it for victims of identity theft, you can still use the voluntary agreement to request a credit freeze.
Experian Credit Freeze Instructions - 1-888-397-3742
Experian Credit Freeze Instructions - 1-888-397-3742
Experian Credit Freeze Instructions - 1-888-397-3742
Experian Credit Freeze Instructions - 1-888-397-3742
Experian Credit Freeze Instructions - 1-888-397-3742
Experian Credit Freeze Instructions - 1-888-397-3742
Experian Credit Freeze Instructions - 1-888-397-3742
Experian Credit Freeze Instructions - 1-888-397-3742
Experian Credit Freeze Instructions - 1-888-397-3742
Experian Credit Freeze Instructions - 1-888-397-3742
Experian Credit Freeze Instructions - 1-888-397-3742
Experian Credit Freeze Instructions - 1-888-397-3742
Experian Credit Freeze Instructions - 1-888-397-3742
Experian Credit Freeze Instructions - 1-888-397-3742
Experian Credit Freeze Instructions - 1-888-397-3742
Experian Credit Freeze Instructions - 1-888-397-3742
Experian Credit Freeze Instructions - 1-888-397-3742
Experian Credit Freeze Instructions - 1-888-397-3742
Experian Credit Freeze Instructions - 1-888-397-3742
Whether your state has a credit freeze or not, you can and should put a freeze on your files at each of the three major credit reporting agencies. Note that each agency has a different procedure for consumers to freeze their files.
Credit reporting agency
Mailing address
I Information to send
Equifax 1-800-685-1111
Experian 1-888-397-3742
TransUnion 1-888-909-8872
And please let us know about any suspicious calls or emails you receive. We look for patterns so that we can alert the authorities and victims to new scams, before it is too late!
For a comprehensive list of national and international agencies to report scams, see this page.
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