By now you’ve probably heard of some form of credit protection service, whether it be a freeze, a lock, or a fraud alert; however, you’d be surprised to know the differences between these services, and how one form may protect you more than another.
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In this episode, Carrie and Kyle discuss these three forms of credit protections, what they really do, and which one can actually help protect your personal credit.
Things you’ll learn in this episode
- What are these services, and what they provide
- Why one of these services is better than the others
- Where to activate these services
- Are these free?
- Will having these in place prevent me from doing anything with my credit?
Where To Place a Freeze With Each Credit Bureau
Experian
Visit https://www.experian.com/freeze/center.html
TransUnion
Visit https://www.transunion.com/credit-freeze
Equifax
Visit https://www.equifax.com/personal/credit-report-services/credit-freeze/
Innovis
Visit https://www.innovis.com
You’ll have to order your report and make an account with them in order to place your freeze
After placing your freeze they will send you a letter via mail containing a PIN that you’ll need anytime you want to lift the freeze
NCTUE (National Consumer Telecom & Utilities Exchange)
Visit https://www.exchangeservicecenter.com/Freeze/#/
Make sure to print and save the confirmation page after placing a freeze, this page has a PIN that you’ll need anytime you want to lift the freeze.
