By: Brandon Polk, Director of Compliance Services
Contextual Security Solutions | September 24, 2018 @ 10:51
We live in a world where data breaches are commonplace and oftentimes these result in some form of identity theft. Fortunately, a new law now enables consumers to place a credit freeze on their credit reports with each of the credit bureaus at no charge. This freeze is essentially a security hold that restricts who can access your credit report, which is typically required before a lender will extend credit and approve a new account. Once a freeze is enabled, you will receive a personal identification number (PIN) from each of the bureaus that may be used to temporarily or permanently release the freeze when needed. Contact information for each of the major credit bureaus are as follows:
Mail: Equifax Security Freeze
P.O. Box 105788
Atlanta, Georgia 30348-5788
Mail: Experian Security Freeze
P.O. Box 9554, Allen, TX 75013
Mail: TransUnion LLC
P.O. Box 2000 Chester, PA 19016
Additional information about credit freezes can be found at the Federal Trade Commission’s Consumer Information page here: https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs.
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