On 2023-03-19 08:26, Kalpesh Patel wrote:
> In the US I highly recommend that you look into placing security freeze on
> your credit files and at ChexSystems at minimum, which now is free for
> everyone unlike in the past where you were charged fee for it. 

Excellent advice. (Thanks for mentioning ChexSystems; I had not thought
to freeze my record there too.)

Not only is the freeze free, but temporarily lifting it, when you
yourself are actually applying for a mortgage or other credit somewhere,
is also free. (At least that's true for credit bureaus; I don't know if
ChexSystems operates under the same rules.)

The bad news is that you have to do it at all of the credit bureaus; one
will not communicate news of a freeze to the others.

To save you some searching, here are the URLs:

<https://www.equifax.com/personal/credit-report-services/>

<https://www.experian.com/freeze/center.html>

<https://www.transunion.com/credit-freeze>

<https://www.chexsystems.com/security-freeze/place-freeze>

Stan Brown
Tehachapi, CA, USA
https://BrownMath.com
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