You may also place a credit freeze through each of the consumer reporting agencies’ websites or over the phone, using the contact information below: To place a credit freeze on your credit report, you may send a written request by regular, certified, or overnight mail at the addresses below. There is no charge to put a fraud alert on your credit report. Make sure you understand any charges, which may go up after a free or discounted trial period, and which often renew automatically.Ī credit freeze is also different from a “fraud alert.” A fraud alert does not prevent businesses from requesting your credit report, but requires them to take extra steps to verify your identity. You should read the terms of any service carefully before you sign up. “Credit locks” are not the same as a credit freeze. “Credit locks” vary by credit reporting agency but are generally a private service that you may have to pay a recurring fee to use, or that may be combined with other services, like various paid credit monitoring services. Switching or starting a new utility service or phone line, including a cell phone.
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