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Why you might want to put a freeze on your credit reports, and how to do it
https://www.localmemphis.com/article/money/consumer/how-to-put-freeze-on-credit-reports-money-bbb/522-2be2e1c3-6e97-49a1-ba6f-9d4e3d2c039aWhy you might want to put a freeze on your credit reports, and how to do it.
A freeze prevents new lenders from accessing the file, which makes it unlikely they'll approve a fraudulent application submitted in someone’s name.
A person must contact the agencies to have the freeze temporarily lifted if they apply for credit, rent a home, buy insurance, or conduct another transaction which requires checking a credit record.
More at link. One must contact each of the 3 agencies individually to place a freeze on account. There is no charge for implementing a freeze or for lifting it (in order to purchase a ho.d or insurance, for exame).
