So when should you request a credit report freeze? The most common instance is in the case of identity theft or suspected identity theft. The credit freeze will remain in effect until you request to lift it. You will still be able to access your credit report during the freeze. Your credit report will still be accessible to creditors with whom you already have an account, debt collectors working on their behalf and certain law enforcement and government agencies. A credit freeze does not prevent identity thieves from accessing accounts that are already open. When your credit report is frozen, new creditors won’t be able to access the report’s information on your credit score and payment. Here’s all the contact information you’ll need, depending on whether you opt to file a request online, by phone or by mail: Credit Bureau You’ll also owe a fee, which is payable by check, money order or credit card. In some instances, a copy of government-issued ID and a copy of a utility bill or financial statement will be requested to verify your address. You’ll be asked to provide your full name, address, date of birth and Social Security number. Notably, TransUnion bills filling out an online form as the “fastest, easiest way to accomplish your goal right now.” You can place a credit freeze by calling each of the bureaus, filling out an online form or mailing in a request via certified mail. You’ll have to reach out individually to each of the three major credit bureaus: Equifax, Experian and TransUnion. There isn’t a way to freeze all your credit reports in one fell swoop.
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