8/19/2023 0 Comments Equifax unfreeze phone numberOne other item of note: When you freeze your credit, you will be given a pin number. That way, if you get put on a customer service hold or the companies are experiencing website issues, you still have some cushion. If you are going car shopping, I would do it two to three days in advance,” Rossman said. Under the new law, the credit reporting companies are supposed to be able to unfreeze your credit within an hour.īut “I think people would be well served by leaving a little more time then that. The main downside is that if you freeze your credit, you have to remember to unfreeze it. What are the downsides to freezing your credit? Even if your kids do not have any credit cards in their names, their identities can still be stolen. Rossman also recommends asking the companies to freeze your children’s credit. You can do that online, over the phone or by mail. You must freeze your credit with all three credit reporting companies, Equifax, Experian and TransUnion. Plus, the entire point of a credit freeze is to prevent suspicious activity from happening in the first place. “Whether or not we have seen suspicious activity on our account, there have been enough attacks, that we should just assume our information is out there,” Rossman said. I haven’t had my identity stolen, should I still freeze my credit?Įveryone should at least consider freezing their credit.Įven if you weren’t part of the 45 percent of Americans involved in the Equifax breach, if you have ever shopped at Target, Home Depot, eBay, Chipotle, or a host of other businesses whose data has been compromised, your information could still be compromised. So should you freeze your credit now that it’s free? We put that and other questions to industry analyst Ted Rossman. adults had not looked at their credit score since the data breach. And despite efforts to raise awareness about the risks posed by that attack, a survey published earlier this year found that half of U.S. The new law was prompted by the Equifax hack in 2017 that exposed 148 million Americans’ credit information. In some places, it cost another $30 to lift the freeze. Credit freezes were free in some states but cost more than $30 in others. ![]() Previously, the fees associated with freezing credit varied widely across states. adults still had not looked at their credit score after the Equifax data breach.
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