An extra level of protection can never hurt, however, don’t let a false sense of security get the best of you. Alternatively, if you are not actively using credit or looking for a loan, for example, it may also be wise to freeze your credit. If you believe your personal information has been compromised or you have been a victim of identity theft, it is a great idea to request a credit freeze. When does placing a credit freeze make sense? It’s best to put in a credit freeze request with all three credit bureaus, the California attorney general advises, since lenders will check your credit with different credit bureaus. In case a creditor wants to review your credit, it will be notified that your credit is frozen. Since creditors will typically want to look at your credit report before granting you credit, identity thieves cannot open accounts in your name if they try to do so while you have a credit freeze in place.
#LIFT CREDIT FREEZE FREE#
This is done free of charge, based on federal law after you put in a request with the three credit bureaus.
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#LIFT CREDIT FREEZE FOR FREE#
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