Citi and Citi with Arc Design are registered service marks of Citigroup Inc. A security freeze (also known as credit freeze) of your Equifax credit report is regulated by federal law. are affiliated companies under the common control of Citigroup Inc. Citi Personal Wealth Management is a business of Citigroup Inc., which offers investment products through Citigroup Global Markets Inc. Past performance is no guarantee of future results. You can also call 88 and verify your identity to place a freeze, or send the appropriate forms and documentation to Equifax Information Services LLC, P.O. The information set forth was obtained from sources believed to be reliable, but we do not guarantee its accuracy or completeness.īorrowing is not suitable for everyone. Fees are typically waived for identity-theft victims. But in most states, it's $5 or $10 per agency to place or remove a freeze. The cost to freeze and unfreeze your credit varies by state. So, before trying to get a loan or credit card, you'll have to contact those same agencies and unfreeze your credit, which may take a few days. But that means you can't get new credit, either. Once the freeze is in place, no one can open an account in your name and the credit reporting agency cannot release any information from your credit reports without your express authorization. A credit freeze can be lifted either temporarily or permanently to allow creditors access to your credit reports. Atlanta, GA 30348 1-88 Equifax Incapacitated Adult Freeze Request. Updated J 5 min read In a Nutshell A credit freeze is a free tool that can help reduce your risk of identity theft by restricting access to your credit file. You can do this by mail or online by visiting the three firms' websites. How to Freeze Your Credit Report Equifax Security Freeze ) P.O. Here's how it works: Contact all three major credit-reporting agencies - Equifax, Experian and TransUnion - and supply identifying information, including your address, date of birth and Social Security number. Worried that your identity has been stolen? There's a number of ways to protect yourself, but one of the most effective may be a credit freeze, also known as a security freeze. If you're a victim of identity theft, it may be impossible to get a loan or credit card, and it might take years to get your record corrected. Recently, online-gaming companies, financial-services firms and Internet services have been targets of cyber attacks that could potentially lead to identity theft. Box 105788, Atlanta, GA 30348 (include your full name including any suffixes, your address, Social Security number, birthdate, and copies of documents that verify your name and address, such as a passport, driver’s license, military ID, tax documents, bank statements, utility bills, etc. We need it to take out a mortgage, buy a car, get a credit card and rent an apartment.Īnd yet some 8.1 million Americans were victims of identity theft in 2010, according to the Federal Trade Commission. For most of us, good credit is a necessity.
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