Posted on September 11th, 2018
I have always encouraged readers and attendees of my live events to obtain a credit freeze (original 2016 tutorial). It is one of the most vital steps you can take toward protecting yourself from identity theft. Previously, the cost was $10 per credit bureau for every freeze/unfreeze, but there were ways around that. I am thrilled to report that beginning September 21, Equifax, Experian and TransUnion must each set up a webpage for requesting fraud alerts and credit freezes at no cost. Further, the law also provides additional ID theft protections to minors. Currently, some state laws allow you to freeze a child’s credit file, while others do not. Starting September 21, no matter where you live you’ll be able to get a free credit freeze for kids under 16 years old.
Although it is not yet time for the law to enforce these free credit freezes, it appears that all five credit bureaus are now offering free online credit freezes. Here are the links to get you started.
I firmly believe that every citizen with a Social Security Number should have a credit freeze in place.