We therefore also recommend freezing your credit report at NCTUE. NOTE: Some news outlets have reported that cell phone companies have opened fraudulent accounts using credit reports provided by the National Consumer Telecom & Utilities Exchange (NCTUE). It just means you’ll have to unfreeze your credit report before applying for a new loan.) (There’s a potentially confusing “Security Freeze Warning” section. Some steps will vary but the process is very similar. Now repeat the steps with the other two big credit bureaus. You’ll need it later if and when you want to lift the freeze on your reports. Step #7 This is key: Record your PIN in a safe place. Step #6 Download and view your “one-time PDF,” which contains your PIN. Step #5 Confirm that you want to freeze your credit report. Step #4 Click “Place Or Manage A Freeze.” A security freeze is designed to prevent credit, loans and services from being approved in your name without your consent, but may also delay or interfere. You may need to enter a code that the credit bureau sends to your email. If you're working with Experian, they will. To freeze your credit with any bureau, you'll need to provide your full name, address, date of birth, Social Security number and possibly other personal information. Step #3 Follow the directions to verify your identity. The quickest and easiest way to freeze your credit report is either online or by phone, but you can also contact each bureau by mail. You’ll need to provide your full name, date of birth, address, email and Social Security number. You can check the status of your security freeze through your myEquifax account as well. Step #2 If you don’t already have an account, make one. How to Freeze Your Credit Reports Experian - Online Freeze Call Experian - (888) 397-3742 Equifax - Online Freeze Call Equifax - (800) 349-9960 TransUnion. Your Experian Credit Report contains information on your financial behaviour taken from the last six years of your credit history. You can place, temporarily lift, or permanently remove a security freeze on your Equifax credit report in several ways.
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