To complete the three-step signup process, you’ll be required to submit your full legal name, your full address (you’ll be asked if you have lived there for more than six months, or not), your date of birth, your Social Security number, and other pertinent personal information. You will need to create an account, which you can later use to manage your FCRA Free Freeze, and you’ll have the option to sign up for a newsletter from TransUnion with helpful tips and news about the services you’ve requested, as well as special offers. Once you’ve clicked “Add Freeze,” you’ll land on a page that prompts you for your personal information. You’ll see three options for freezing credit – Add a Freeze, Unfreeze, and “Freeze a Loved One’s Credit.” We’ll deal with the first as we break down the steps to freeze your credit online with TransUnion. By clicking “Credit Help” and then subsequently clicking “Credit Freeze,” you will be taken to a page where you can begin the credit freeze process with TransUnion. When you visit the TransUnion website, you’ll see several options in the menu along the top. Read on for a step-by-step breakdown: Freeze Your Credit with TransUnion Online: We’ll discuss each method for requesting a credit freeze below, with a focus on freezing your credit with TransUnion. A credit freeze must be requested from each of the three major credit reporting agencies – TransUnion, Equifax, and Experian – in order to be effective, and can be requested in three different ways: online, in writing, and over the phone. This means that if your information has been exposed, thieves and scoundrels will not be able to use your information to commit fraud in your name or rack up charges that you will be liable for later. Also known as a security freeze, this essentially hides your credit history from credit issuers if a creditor is unable to see your credit file, they will not approve an application because they deem files with no information to be a risk. Perhaps the best way to safeguard against fraud is by freezing your credit. In the digital age, data breaches are unfortunately becoming a frequent occurrence fraudsters are finding ways to hack into the databases of some of the biggest banks and credit issuers in order to steal personal information, and consumers are wondering how they can protect themselves from identity theft and credit fraud. Freezing your credit is a great preventative measure, but how does it work?
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