Your credit history Baton Rouge

A fraud alert is a helpful option, however an alert only forces the creditors, in compliance with the federal Fair your credit history Baton Rouge Credit Reporting Act, to take extra steps to verify identity when they see the alert on a report.  This step comes after theyve already pulled your credit history Baton Rouge the report and scores and will only prevent cases in which the criminal is not able to produce the additional identification needed.  In addition, typical alerts only last 90 days for consumers who arent already victims of identity theft. Unfortunately, this is the most complicated part of the entire process.  Credit freezes are controlled by individual state laws, which means fees vary from state to state.your credit history Baton Rouge Currently, Indiana is the only state which is completely free to add, temporarily lift, and completely remove freezes.  (Yes, ironically I live in Indiana). free annual credit check

Fees for other states vary from $3 to $20 to place the initial freeze.  In addition, fees for temporary and permanent lifts may also vary.  Equifax has an easy to view website outlining all state-specific fees. Please also note that some states have reduced rates for those who are over 65, and all states allow previous victims of identity theft to freeze their reports for free! If, like me, your financial your credit history Baton Rouge goals include rarely applying for new credit, a credit freeze can be a your credit history Baton Rouge cheap, effective alternative to credit monitoring services and/or identity theft insurance. credit history report Luckily, two your credit history Baton Rouge of the three bureaus allow you to place credit freezes on your reports online.  Equifax is a different story  we will get to them later. The following TransUnion link will take you directly to your credit history Baton Rouge the online portal to place your freeze. If you dont have an existing TransUnion login you can create one with the big orange button above, or simply login to the bottom left.

Those of you who need to create your credit history Baton Rouge account will see a series of screens starting with the one above.  Fill out the forms, click next, answer some specific questions (to confirm your identity) and youre good your credit history Baton Rouge to go. After setting up your account and/or logging your credit history Baton Rouge in you will need to read through the Service Agreement and click Accept. the real free credit report This next screen provides you with an overview of the freeze and your options for adding lifts or removing the freeze altogether.  Click Add Security Freeze. You will need to generate a 6 digit PIN Number.  This number will be used in the future should you need to add any lifts or removals to the freeze.  Enter your PIN and select Confirm!