Lock Your Credit Report Free

What you need to know.

Lock your credit report free.

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. 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. A credit freeze also known as a security freeze is the best way to help prevent new accounts from being opened in your name. 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.

Locking your credit is a procedure that can help prevent identity theft and credit fraud by blocking access to your credit report. Lock your credit report. Transunion s credit lock program is called trueidentity and it s also free. 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.

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. With a lock you will be restricting access to your credit report. That s because most creditors need to see your credit report before they approve a new account.

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. Putting a freeze or lock on your credit report is just one way to begin reducing your risk of identity theft. That will make it very difficult for new credit accounts to be opened in your name. 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.

Easily lock unlock your credit report online or with the mobile app. There are various types of credit scores and lenders use a variety of different types of credit scores to make lending decisions. What is a credit freeze. Like with equifax you can lock and unlock your credit quickly on a smartphone or computer.