Just like other three major credit bureaus, ChexSystems does NOT charge for lifting security freezes on temporary basis as of this writing. Not able to charge fee for security freeze I believe is part of the US law. Be careful though as these bureaus also tout similar but very different beast creation of their own called credit lock, which does not have the backing of US laws or its regulations as does the security freeze.
If you plan to place a security freeze on three main credit bureaus in the US than recommendation is to extend to Innovis (https://www.innovis.com/personal/securityFreeze) as part of that security regime. They also do not charge for lifting security freeze on temporary basis. This write up from Consumer Financial Protection Bureau (https://files.consumerfinance.gov/f/documents/cfpb_consumer-reporting-compa nies-list.pdf) has a comprehensive list and links for such needs if you want to explore and become educated in this realm. ------------------------------ Message: 4 Date: Sun, 19 Mar 2023 11:01:23 -0700 From: "Stan Brown (using GC 2.6.19)" <stan+gnuc...@fastmail.fm> To: gnucash-user@gnucash.org Subject: Re: [GNC] Help with downloading transactions. Message-ID: <91124db6-3212-5319-092f-7351f91b6...@fastmail.fm> Content-Type: text/plain; charset=UTF-8 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 ------------------------------ _______________________________________________ gnucash-user mailing list gnucash-user@gnucash.org To update your subscription preferences or to unsubscribe: https://lists.gnucash.org/mailman/listinfo/gnucash-user ----- Please remember to CC this list on all your replies. You can do this by using Reply-To-List or Reply-All.
