Released: November 06, 2007

How to freeze your credit report

Source: Bob Sullivan Red Tape Chronicles (The Consumerist)

Red Tape Chronicles has a good guide for how to set up a credit report freeze at each of the three major credit bureaus.

A freeze means no one can access your credit report unless you “unthaw” your report. This means no new credit cards, loans, or mortgages, either by you, or by a potential identity thief. You will need to freeze the report with each bureaus. Not surprisingly, after fighting with Congress for four years against allowing for consumer freezes, the bureaus have made it difficult, requiring the mailing of certified letters, utility bills, different kinds of personal information, and charging fees.

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