FREE Consumer Credit Freezes And Fraud Alerts

Dated: 09/25/2018

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Thanks to a new federal law, as of September 21st, you can now get free credit freezes and year-long fraud alerts.

Free credit freezes

    What is it?A credit freeze restricts access to your credit file, making it harder for identity thieves to open new accounts in your name. Usually you get a PIN to use each time you want to freeze and unfreeze your account to apply for new credit.

  • What’s new?Starting September 21st, it is now free to freeze and unfreeze your credit file throughout the country.


Free child credit freezes

    What is it?A child credit freeze allows you to freeze a child’s credit file until the child is old enough to use credit.
  • What’s new?Starting September 21st, no matter where you live, you are now able to get a free credit freeze for children under age 16.


Year-long fraud alerts

    What is it?A fraud alert will tell any business that runs your credit that they should check with you before opening a new account.
  • What’s new?Starting September 21st, your initial fraud alert will last for one year. It is free,

    and identity theft victims can still get an extended fraud alert for seven years.


The new law has a long name – Economic Growth, Regulatory Relief, and Consumer Protection Act – but the outcome is simple.  Equifax, Experian and TransUnion have each set up a webpage for requesting fraud alerts and credit freezes. The FTC has links to those webpages on IdentityTheft.gov.

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Cynthia and Jason Lee

Cynthia Lee & Jason A. Lee, Principal/Designated Brokers in Oregon & Washington Pete Anderson Realty ....

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