Transunion is one of the major three credit reporting agencies in the country. From time to time, you should check your credit report for any inaccurate data on your credit report that will adversely affect it. Inaccurate or derogatory information can not only lower your credit score, but may even indicate fraudulent activity. They should...
If you currently have a security freeze on your Equifax credit file, there are a few ways you can remove it. First, you can ask that the freeze be removed temporary for a specific lender, Another option is to ask for a date range lift. That means you ask that the freeze be removed for...
Have you ever heard of a file lock? A file lock is something Equifax offers that is very similar to a security freeze. This will allow you to access your credit report, but lenders may not access it without you unlocking it. So, if you want to open a new account, you’d have to first...
In the event you are concerned that your identity has been stolen, you can consider getting a security freeze. A security freeze stops new creditors from accessing your credit report unless you lift or remove the freeze. You can lift the security freeze either temporarily or permanently. You can place the freeze with Transunion, Equifax and...
If you’re afraid that you might be a victim to fraud, it may be a great idea to place fraud alert on your credit report. A fraud alert is a notification you place on credit report that warns creditors that you may be a victim of identify theft. You would place this request with a...
In case you weren’t aware, Equifax suffered a security breach and is now offering all U.S. consumers the chance to enroll in a free identity theft protection service. Some are wondering if they’d be better off with either placing a fraud alert, requesting a security freeze, or using the file lock feature in the TrustedID Premier...
To help rectify their security breach problem, Equifax is now offering consumers one free year of cyber security monitoring and credit file monitoring to all U.S. consumers. You are eligible for this service whether you were impacted by the security breach or not. This product is called the TrustedID Premier and it includes 3-Bureau credit...
Do you ever wonder what’s the difference between a credit file lock and a security freeze? Thanks to Equifax, we have the answer. There are many differences, but there are many similarities too. On a basic level, they both stop new creditors from accessing your Equifax credit report. The only way they get access to...
Today, Equifax announced that it was hit by a cyber security attack. The attack could’ve impacted about 143 million U.S. consumers. The perpetrators gained access via a U.S. website application vulnerability to certain files. The incident occurred between May 2017 and July 2017. According to the agency, there’s no evidence found of unlawful activity on...
Before looking for a new house, you should do everything you can to prepare. Just a little bit of preparation can go a long way in eliminating surprises on your rate. The first thing you want to do is check your credit report. You may want to do this at least six months in advance...
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