FAQ: When is a Credit Freeze Right for You?
Many consumers are under the impression that freezing their credit will reflect poorly on them—but the truth is different. To help you better
understand this data-security tool, we’ll tackle some frequently asked
Q: What is a credit freeze?
A: Also known as a security freeze, this free tool lets you restrict access to your credit report, which in turn makes it more difficult for identity thieves to open new accounts in your name.
Q: Does a freeze affect my credit score?
A: No. It also won’t prevent you from getting your free annual credit report; keep you from opening a new account (to open one, you’ll need to lift the freeze temporarily); or prevent you from applying for a job, renting an apartment, or buying insurance.
Q: What’s the difference between a credit freeze and a fraud alert?
A: A credit freeze locks down your credit. A fraud alert allows creditors to get a copy of your credit report as long as they take steps to verify your identity. For example, if you provide a telephone number, the business must call you to verify whether you are the person making the credit request. Fraud alerts help prevent others from opening new accounts in your name, but they may not prevent the misuse of existing accounts.
Q: How do I place a freeze on my credit reports?
A: Contact each of the nationwide credit bureaus: Equifax, Experian, and TransUnion. You’ll need to supply your name, address, date of birth, Social Security number, and other personal information.
Q: How do I lift a freeze?
A: You must ask the credit bureau to temporarily lift it or remove it altogether. If the request is made online or by phone, a bureau must lift a freeze within one hour. If the request is made by mail, the bureau must lift the freeze no later than three business days after getting your request.
© National Security Institute, Inc. www.nsi.org
Recent SecuritySense Posts
- 5 Things Crooks Love to See In Your Social Media Profile
- FAQ: Security and the Cloud
- The Ransomware Perfect Storm
- Children More at Risk Online During Pandemic
- Going Back to the Office? You’re a Perfect Target for Phishers
- 5 New Social Engineering Tactics Criminals Are Using Right Now
- Frequency Strategy in Security Awareness Campaigns
- Security Awareness Email Is Not Spam
- April Scam Watch
- Top 4 Emotions Used in Social Engineering
Protect Yourself & Your Company From Cybercrime
Unique Content Strategy
People pay attention to content they find personally relevant. SecuritySense doesn’t feel like you’re being given extra work to do. It’s a blend of personal and work-relevant cybersecurity tips, warnings, human interest stories, instructions, news and insights that everyone looks forward to receiving. More about our content strategy
The Secret to Creating Awareness
Brand marketers know if you want to create awareness you have to do two things. Steadily promote your message and make sure that message offers content that personally resonates with your audience. SecuritySense makes it easy for you to do both.
Compare Our Per Employee Cost
Compare our per employee annual cost with the $8.00 – $20.00 seat licenses you might pay for training platforms. It’s a no-brainer to add SecuritySense to your overall program.