You're entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Order online from annualcreditreport.com, the only authorized website for free credit reports, or call 1-877-322-8228. You will need to provide your name, address. Some of these websites will only give you a free report if you buy other products or services. Other websites give you a free report and then bill you for services you have to cancel. To get the free credit report authorized by law, go to AnnualCreditReport.com or call (877) 322-8228. You are entitled to a free credit report from each of the three credit reporting agencies (Equifax, Experian, and TransUnion) once every 12 months. You can request all three reports at once, or space them out throughout the year. Learn about other situations when you can request a free credit report. Request Your Free Credit Report. Equifax® 3-Bureau credit scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian® and TransUnion® credit files. Third parties use many different types of credit scores and will not use the Equifax 3-Bureau credit scores to assess your creditworthiness.
The environment is evolving quickly, and lawmakers and regulators are circling. I have no doubt that there will be more options available in the not too distant future, as the credit bureaus respond to pressure from consumers, banks and regulators.
'>The Equifax data breach exposed the Social Security number, address, date of birth and name of at least 145 million Americans. A savvy fraudster could use this stolen information to open new credit accounts. Although it will be impossible to completely prevent identity theft, there are some simple steps that you can take to defend yourself:
- Lock your credit report: With a lock, you will be restricting access to your credit report. That will make it very difficult for new credit accounts to be opened in your name. It is now relatively easy to lock your credit for free at two of the three bureaus.
- Monitor your credit reports: Even with a lock in place, fraud can still happen. Medical and employment identity theft remain a risk. By monitoring your credit, you increase the likelihood of finding out quickly about fraud. And the faster you find out about fraud, the easier it is to minimize the impact.
Just remember: a credit lock is not the same as a credit freeze. Although both a lock and a freeze basically do the same thing (prevent creditors from obtaining credit reports, making it highly unlikely that a new account will be opened), there are some important differences. A credit freeze is guaranteed by law, whereas a credit lock is a product offered by the bureaus. The two biggest advantages of a lock are the ease with which you can lock and unlock your report (at TransUnion, it can happen instantly on an app) and, in some states, the cost (you need to pay a fee to freeze and unfreeze your report in some states). The biggest advantage of a credit freeze is that the protections are guaranteed by law, which could give consumers more rights in the event that fraud happens after a freeze is put into place.
There are three main credit bureaus: TransUnion, Equifax and Experian. Sadly, there is not a simple central place to lock or freeze all three reports. However, with a few steps you can take excellent preventative steps. Here is how you can lock and monitor your credit at all three bureaus:
TransUnion - The Easiest Way To Lock and Monitor For Free
Hats off to TransUnion. In light of the Equifax data breach, TransUnion has made TrueID completely free. Here is what you need to know:
3 Bureau Free Credit Report Online
- Instantly lock and unlock your report: You can lock and unlock your credit instantly. If you download the app, you can lock and unlock your credit with one tap.
- Free credit monitoring and alerts: You can receive alerts when TransUnion detects critical changes to your credit report - including the opening of new accounts or new collection items.
- Mobile app available: You can do everything on your phone with the TrueID app.
- Completely free: TransUnion has really led the industry by making this service completely free. You can sign up here.
I have been using the app for the last week, and it has a nice interface. It makes locking and unlocking your credit very easy.
If you would prefer to freeze your TransUnion report, you can do it here.
Equifax - Free, But Not Easy
Equifax, as a result of the data breach, is offering TrustedID for free for one year. Globalsat bu-353 windows 10 driver. However, it has been widely reported that Equifax will be offering a new credit lock service that is free for life from January 31st. Until that happens, you can use TrustedID to lock and monitor your credit report for free.
- Free lock (and unlock), but it can take up to 48 hours: You can easily lock and unlock your report. Unfortunately, it does take up to 48 hours. I have tested the lock, and it did take two days to get confirmation that my report was locked. This is ironic, given that the benefit of a lock is supposed to be the ease with which you can lock the report.
- Free credit monitoring and alerts: With TrustedID, you will get free monitoring and alerts anytime someone tries to open a new account in your name (at least for the first year that this service is free).
- Sadly, no app available. Unfortunately, you will need to do this all from the website.
- You can freeze your report for free: You can freeze your credit report at Equifax for free, regardless of your state, up until January 31, 2018. Depending upon your state, removing the freeze could result in a fee.
I will be very interested in seeing the new product launched by Equifax in January. It would be a good step forward if Equifax offers a product that is similar to TransUnion's, with the ability to lock and unlock your report with a tap (preferably in an app) and free credit report monitoring. Until then, you will need to wait up to 48 hours to lock or unlock your report - so plan ahead.
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Experian - Late With A Solution
Experian does not yet have a free credit freeze or credit lock solution in place. However, you can get free credit monitoring via FreeCreditScore.com, which is owned by Experian. With FreeCreditScore, you can:
- Get a new Experian credit report every 30 days. You can obtain a full copy of your credit report every 30 days to ensure that nothing suspicious has been recorded in your name.
- Free alerts: you will be notified whenever there is a new inquiry, new account or new public record.
- Mobile app available: FreeCreditScore has a good mobile app, making it easier to receive the alerts.
To have the highest level of protection, you should consider a credit freeze with Experian. Unfortunately, Experian does not offer a lock or freeze for free. If your state does not charge for a freeze, then take advantage of a freeze with Experian at no cost. Even if your state does allow a fee to be charged for freezing or unfreezing your credit, it will likely still be a cheaper option than signing up for Experian's lock service, which requires a monthly.
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In Summary
To protect yourself, you will want to either freeze or lock your report at all three bureaus and make sure you have some form of credit monitoring in place. In summary:
- TransUnion: thanks to TrueID, you can lock and monitor your report for free, from a great mobile app.
- Equifax: you can freeze and monitor your report for free with TrustedID, and a new service is expected to be launched later in January (that is much more like TransUnion's).
- Experian: you can monitor your credit for free with FreeCreditScore.com. Unfortunately, there is neither a free lock nor a free freeze option available. You can either just take the risk (and monitor), or freeze.
The environment is evolving quickly, and lawmakers and regulators are circling. I have no doubt that there will be more options available in the not too distant future, as the credit bureaus respond to pressure from consumers, banks and regulators.