Credit Freeze & Credit Monitoring
What you should understand:
This alert explains things you can do to safeguard your self from identification theft: credit freeze; fraud alert; and credit monitoring. The alert also answers frequently expected questions regarding each.
- Credit freeze
Also known as a “security freeze,” a credit freeze is one thing you request from the credit agency that is reporting limit use of your credit file. Whenever a freeze is in your account, any unauthorized party that is third tries to consider your file will discover a rule or message indicating that the report is frozen.
This will make it harder for identification thieves to start accounts that are new your title since most creditors will need to see your credit history before they approve brand new credit.
In case a creditor cannot see your file, then your creditor must not extend credit.
A credit freeze will not avoid all parties that are third seeing your report. Existing creditors, loan companies performing on their behalf, and federal government agencies in restricted circumstances could have use of your report. 继续阅读Glance at Credit Freeze; Fraud Alert; & Credit Monitoring