Based on last nights FPU discussion I decided to put a Credit Freeze on my credit report with the 3 reporting agencies. It was pretty easy and cost me $30 ($10 each) With Equifax & Experian I was able to complete the process online without creating an account. With TransUnion the online process failed, the automated phone process failed, and I had to speak to a representative with a very thick accent that helped me complete the process. So at this point my file is frozen and I must "Thaw" it to allow any inquires, soft or hard. If your not ready to put a freeze on your account you might want to consider the identity theft insurance Dave recommends. He advocates it includes restoration services. Check your homeowners policy to see if this is already included. Below are detailed instructions on how to do so with each of the agencies courtesy of www.clarkhoward.com
We did not talk about this last night but a MUST for all FPU participants is to use the Optoutpressscreen service. I encourage everyone to do this immediately. It blocks credit issuers from doing a soft inquire against your credit file to determine if they want to send you unsolicited offers of credit. Who needs that! Use the link above to sign up today.
EQUIFAX CREDIT FREEZE - [Website]
EXPERIAN CREDIT FREEZE - [Website]
TRANSUNION CREDIT FREEZE - [Website]
Dave Smith is part of the KCC finance staff and a Dave Ramsey Certified Coach.