If you’d like to place a freeze on your Equifax credit file, you can do so either by mail, phone, or online. There is no fee for adding, lifting, or permanently removing a security freeze from now through January 31, 2018. Any freeze activities after January 31, 2018 may be subject to the fees provided by your state...

If you file a dispute on your credit report, whether it be online or by mail, and the investigation did not resolve your dispute, you can send in a 100 word statement to your report. If you wish to obtain documentation or written verification concerning  your accounts, you will have to contact the creditors directly....

When you submit a credit dispute to Tranunion online, it takes up to 30 days to conclude the investigation. You’ll receive a response by email that includes the results of the investigation. Not only is this the fastest way to get results, it’s also the easiest way. You will be given access to the results...

Because inaccurate information can sometimes pop up on your credit report, it’s important that you dispute any inaccuracies to Transunion immediately. At your request, Transunion will initiate an investigation on the inaccuracy disputed by you. The company can also make any changes on your credit report on their own if they deem you are accurate....

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...