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Security Freeze or Credit Freeze
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In the 48 states and District of Columbia, where permitted, consumers can place a Security Freeze on their credit bureau account.  Those who are victims of identity theft can do so free of charge.

This prevents anyone from pulling credit to extend a loan.

To access new credit (open a new credit card, purchase a car, buy or refinance a home) you must have this freeze lifted temporarily or permanently—this will result in a fee and may take a few days to execute.

On the bright side, this provides better protection than a mere fraud alert or even any of the various credit monitoring services with which you may be familiar. It is unlikely anyone will be able to open a new credit account in your name if potential lenders cannot pull your credit. Please keep in mind that this does not prevent abuse of existing accounts.  Monitor your credit every four months to detect fraudulent use of credit.


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