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Freezing your Credit basically makes it so nobody (or business) can do a credit lookup with your information. If you are going to apply for something that needs your credit, such as buying a car, you find out what credit agency the loan place uses (such as Equifax), and then login to your account on Equifax and ask them to unfreeze your credit for a short time, say 48 hours. Once that time is up then your credit is frozen again, and it was never unfrozen on the other credit agencies.
Cyberhoot has a good guide for identity theft and credit freezing https://cyberhoot.com/cybrary/identity-theft/ I recommend you freeze your credit at all four credit agencies listed below. Investopedia has some good info about it. https://www.investopedia.com/how-to-freeze-and-unfreeze-your-credit-5075527 Equifax https://www.equifax.com/personal/products/credit/credit-lock-alert/ https://www.equifax.com/personal/credit-report-services/ Transunion https://www.transunion.com/credit-freeze Experian https://www.experian.com/freeze/center.html Innovis https://www.innovis.com/personal/securityFreeze | |
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