![\"ExperianFreeze\"](\"https:\/\/www.technologyinvestor.com\/wp-content\/uploads\/2017\/09\/ExperianFreeze.jpg\")
<\/a><\/p>\nSimple freeze your credit records. Allow nobody to see them without your explicit permission.<\/p>\n
It couldn’t be easier. Do yours this morning.<\/p>\n
Simply Google “Experian Security Freeze,” “TransUnion Security Freeze” and “Equifax Security Freeze” and follow the bouncing ball.<\/p>\n
Here’s how TransUnion explains it:<\/p>\n
THERE ARE TWO WAYS (on TransUnion) \u00a0TO TEMPORARILY PREVENT LENDERS AND OTHERS FROM ACCESSING YOUR CREDIT: LOCK IT YOURSELF, OR HAVE US FREEZE YOUR ACCOUNT.<\/p>\n
What’s the difference?<\/p>\n
+ Locking<\/strong> + Freezing<\/strong> How do I decide what to do?<\/p>\n For freezing click here.<\/strong><\/a>\u00a0or paste this into your browser: https:\/\/www.transunion.com\/credit-freeze\/place-credit-freeze2<\/em><\/p>\n To enroll in TrueIdentity, click here<\/a>, <\/strong>or paste this into your browser:\u00a0https:\/\/www.transunion.com\/product\/trueidentity-free-identity-protection.<\/em><\/p>\n I signed up for a Security Freeze with Experian and Equifax. I signed up for TrueIdentity with TransUnion. All of this was free. To repear, I did not pay any money.<\/p>\n Signing up with all three took me about 15 minutes at 1:30 AM. It may take longer if you work when normal people work.<\/p>\n The process is not without its amusements. I found this image on Equifax’s web site.<\/p>\n For more — though you don’t need more — here’s a two-pager which a nice bank called Northern Bank put out:<\/p>\n For the bank’s report, click\u00a0protecting-identity-your-credit-breach_2017<\/a>\u00a0<\/strong><\/p>\n Thank you two readers, Lucky Marr and Dan Good, for your help on solving this problem and allowing me to finally get to sleep.<\/p>\n Years ago, my son Michael’s identity was stolen. It took months to solve. I don’t want anyone to go through what Michael went through.<\/p>\n Why didn’t these guys tell us about Security Freezes eons ago? They earn fees on selling reports on our creditworthiness to banks and credit card companies. Now I’ve placed a freeze on my credit report, I’ve frozen their income. Why do I not feel guilty?<\/p>\n If you missed my yesterday’s blog on Apple’s new phones and warnings about bitcoin, click here.<\/a>\u00a0 <\/strong><\/p>\n Time to sleep. It’s 1:54 AM.<\/p>\n This is not me. I stole the picture on the Internet. You get the idea. I’m exhausted.<\/p>\n
\nLocking your account puts you in control with no waiting and no PIN to remember and no fee for this service. Enroll in TrueIdentity<\/strong> free – no credit card required – and you’ll have access to your Transunion credit report, the ability to lock and unlock you credit whenever you want and, free monitoring alerts.<\/p>\n
\nFreezing your credit will prevent lenders and others including (depending on your state’s law) landlords, employers and others from accessing your TransUnion (or Experian, or Equifax) credit report in response to a new credit application. You will need to take additional steps to unlock your credit when you wish to apply for any type of credit. Freezing your credit frequently involves a fee, as does unfreezing your credit.<\/p>\n<\/a><\/p>\n<\/a><\/p>\n<\/a>
\nHarry Newton, who recommends you drop everything instantly — if not sooner — and put a Security Freeze on your credit records.<\/p>\n