#creditfreeze

[bob3160]

CreditFreeze - How-To

[1stchoicebhl]

www.1stChoiceBHL.com

[stephensbrostaxservice]

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LIST OF CONSUMER REPORTING COMPANIES:⁣ ⁣ Consumer Financial Protection Bureau provides a list of consumer reporting companies that collect your information and provide reports to other companies about you. These companies use your information to either approve or deny your credit applications. ⁣ ⁣ CFPB list of consumer reporting companies gives you the opportunity to request your consumer reports and dispute any inaccuracies with the consumer reporting companies as needed. ⁣ ⁣ Some consumer reporting companies will provide you with one FREE report every 12 months if you request it, and some companies will freeze your consumer report (subject to state laws) if you request it. ⁣ ⁣ The following companies may be important consumer reports to request:⁣ ⁣ SAGESTREAM⁣ This reporting company collects information from, and provides supplementary consumer reports to, auto lenders, credit card issuers, retailers, utilities and mobile phone service providers.⁣ ⁣ LEXISNEXIS RISK SOLUTIONS⁣ Collects information from public records and multiple proprietary data sources. Such as, real estate transaction and ownership data, lien, judgement, and bankruptcy records, professional license information, and historical addresses on file. ⁣ ⁣ C.L.U.E. INC.⁣ C.L.U.E. ( Comprehensive Loss Underwriting Exhange) collects and reports information on insurance coverage, losses associated with individuals and their personal property, as well as automobile insurance coverage and losses. ⁣ ⁣ “When the other advisors stop. We start”⁣ ⁣ ⁣#CreditReport #CreditRepair #TaxServices #TaxLien #Personal #Property #AutoReport #Deny #Approved #ThirdParty #Data #CFPB #FCRA #Atlanta #NewJersey #NewYork #Texas #Dispute #FreeCreditReport #CreditFreeze #Consumer #CLUE #Insurance #StephensBrosTaxService ⁣ ⁣ (at New Jersey) https://www.instagram.com/p/Bl8h8SxB1bG/?utm_source=ig_tumblr_share&igshid=hnvjq9ewi752

[ct3ch]

Equifax waives credit freeze fees after facing backlash

Equifax waives credit freeze fees after facing backlash

Equifax has learned the hard way that people that people don’t appreciate having to pay $10 for protection when it’s not their fault their personal details were compromised. Especially if that $10 solution has its own security flaw. That’s why it’s now offering to waive all credit freeze fees to prevent identity thieves from opening credit lines in the names of the 143 million Americans affected…

[moneyhealthfinance-blog]

Your Money: Equifax, Bowing to Public Pressure, Drops Credit-Freeze Fees for 30 Days

Your Money: Equifax, Bowing to Public Pressure, Drops Credit-Freeze Fees for 30 Days

Your Money By RON LIEBER You howled in protest, and Equifax had no choice but to respond. On Monday, the company said on Twitter that it would waive … NYT > Business Day

[msrobinsonny]

"Your best defense against a credit fraud is a #creditfreeze." - @CarrieKerskie on #IDTheft and taking the necessary precautions to ensure that nothing looks #suspicious on our credit reports. #creditreport

http://twitter.com/MSRobinsonNY

[bokblog]

Identity Theft Protection for Kids: What Parents Can Do

Identity theft is on the top of many consumers' minds these days, with new data breaches announced seemingly weekly. As masses of Americans turn to credit monitoring, fraud alerts, and other solutions to prevent their identities from being stolen, one group sometimes slips through the cracks: children. Parents: don't forget that your child has a social security number, so their identity could be stolen and used to take out fraudulent loans that could damage their ability to buy a car, get student loans, rent an apartment, or even get a job in the future. Below are some steps to consider to help protect your children from ID theft:

Watch for red flags. First, keep an eye out for common signs that your child's identity has been used to obtain credit. These include an influx of mailed credit card and/or loan offers addressed to your child, a notice from the IRS that your child didn't pay income tax or was claimed as a dependent, and collections calls for bills addressed to your child. When your child gets older, being denied a bank account, driver's license, or government benefits (such as Medicaid) are also indications that their identity may have been stolen.

Check your child's credit report. The next step to take is similar to what you would do to protect your own identity: check their credit report. It's a bit more complex when the credit report you're requesting is your child's (versus your own), but it is an important step. Contact the major credit bureaus (Equifax, Experian, and TransUnion) to find out the specific documentation they require. You'll likely need to mail in copies of your child's birth certificate and/or their Social Security card, as well as a copy of your own ID. Keep in mind that your child may not have a credit report-and that's a good thing! It means your child's identity has not been used by criminals to obtain credit in their name.

Consider a credit freeze. If you find that your child has a credit report, consider placing a freeze on it. This is especially important to consider if your child's identity has been stolen, since it will help prevent future instances of their information being used to obtain credit. Wisconsin's Child Credit Protection Act allows parents and legal guardians to place a freeze on their child's credit record. By freezing their credit with each of the major credit bureaus, you will prevent criminals from taking out credit using your child's identity. Each credit bureau has a different process for freezing credit, so contact them to find out the steps if you are interest in a credit freeze for your child(ren). Keep in mind, the bureaus charge a fee to freeze and unfreeze credit, so you'll want to consider how close your child is to legitimate credit requests (such as student loans or a first credit card) before taking this step.

If you suspect your child's identity has been stolen, visit www.identitytheft.gov for step-by-step guidance on what to do next.

[nancyjnelson88]

Bankers anxious over consumer reactions to Equifax breach

(Reuters) - U.S. lenders are concerned their consumer loan and credit card businesses could be stymied if large numbers of people lock or freeze their credit reports to protect themselves in the wake of the Equifax Inc hack.

from Binary Trading Tips http://www.reuters.com/article/us-equifax-cyber-creditfreeze/bankers-anxious-over-consumer-reactions-to-equifax-breach-idUSKCN1C42HX?feedType=RSS&feedName=businessNews

[ccoacares]

Credit File Freezes Now Free

The best thing you can do to protect yourself from ID theft is to put a freeze on your credit files with the 3 credit reporting agencies. As of last Friday, there is no longer a cost for you to put a freeze on your credit files, or to "thaw" them when you want to apply for credit. 

[1stchoicebhl]

www.1stChoiceBHL.com