What Experts Say About Security Credit Freezes

Consumer Financial Protection Bureau (CFPB)

“Some consumers pay for credit or identity monitoring services to protect themselves against identity theft. Before considering these services, be aware that free and low cost services are also available to protect consumers, including:
A security freeze. Putting a security freeze on your credit report will generally prevent new credit from being opened in your name. Each state has its own rules about credit freezes and how much you pay for them. In most states, you can file a security freeze for less than $10, and if you are an identity theft victim, you typically can place a freeze for free.”

Brian Krebs, Security Expert

There is shockingly little public knowledge or education about the benefits of a security freeze, also known as a ‘credit freeze.’  . . .  Also, there is a great deal of misinformation and/or bad information about security freezes available online. . . . I decided to freeze my credit and that of my wife’s at all of the major bureaus. . . . [I]f you want true piece of mind, freeze your credit file.”

U.S. Public Interest Research Group (USPIRG)

“Only the security freeze can prevent someone from opening a new credit account in your name,” said Mike Litt of U.S. PIRG. “Credit monitoring services may tell you but only after you’ve already been victimized. Worse, they are often offered after simple retail credit number breaches, even though they offer no help against unauthorized use of your existing accounts, which is the fraud most likely to occur from that type of breach.”

Freeze Release of Your Credit Reports

JUST CLICK ON THE "FREEZE IT" BUTTONS FOR DIRECT LINKS TO EACH CREDIT REPORTING AGENCY'S SECURITY CREDIT FREEZE PAGE

Experian Security Credit Freeze

Equifax Security Credit Freeze

TransUnion Security Credit Freeze

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