Lock Your Credit Report Free

What you need to know.

Lock your credit report free.

It s absolutely free to freeze and unfreeze your credit and it won t affect your credit score. With credit lock plus you are in control of your credit reports at transunion and equifax. Free credit freezes and year long fraud alerts are here starting september 21 st thanks to a new federal law here s what you should know. Transunion s credit lock program is called trueidentity and it s also free.

The program also gives you access to your transunion credit report free monitoring alerts and up to 25 000 in identity theft insurance. Freezing your credit can help prevent identity thieves and other criminals from using stolen personal information your social security number for instance to apply for new. There are various types of credit scores and lenders use a variety of different types of credit scores to make lending decisions. A credit freeze also known as a security freeze is the best way to help prevent new accounts from being opened in your name.

Lock your credit report. Locking your credit is a procedure that can help prevent identity theft and credit fraud by blocking access to your credit report. Having a freeze in place won t affect your credit scores but it will prevent your credit report from being accessed to calculate scores unless you first lift the freeze. Also known as a security freeze this free tool lets you restrict access to your credit report which in turn makes it more difficult for identity thieves to open new accounts in your name.

What is a credit freeze. Putting a freeze or lock on your credit report is just one way to begin reducing your risk of identity theft. Help control certain access to your equifax credit report with lock alert. Like with equifax you can lock and unlock your credit quickly on a smartphone or computer.

A credit lock also known as a security lock has the same result as a credit freeze but it s easier and quicker to lock and unlock your credit than to freeze and un freeze or thaw it. That s because most creditors need to see your credit report before they approve a new account. Security freezes also known as credit freezes restrict access to your credit file making it harder for identity thieves to open new accounts in your name. With a lock you will be restricting access to your credit report.