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Credit Freeze Info

With so many breeches of personal information consider requesting a “Freeze” on your credit. What this does is not allow someone to walk into Best Buy as you, request instant credit, and walk out with a $4,000 TV that will be billed to you.

I had a car dealer say “I can get anyone’s credit report.” I said “go for it”. He came out of his office ten minutes later and said “how did you do that?”

Here are the addresses for the 3 major credit bureaus:

Equifax Security Freeze

PO Box 105788
Atlanta, GA 30348

Experian Security Freeze

PO Box 9554
Allen, TX 75013

TransUnion Security Freeze

PO Box 2000
Chester, PA 19016

You need to send a certified letter to each agency requesting a security freeze be placed on your account. In this letter, you must provide identifying information and a $10 fee. If you’re married, both of you should do it.

You can also complete place a freeze online with each of the bureaus at the links above.