Credit Freezes

Free Credit Freezes for Adults & Minors

One of the most vital steps you can take toward protecting yourself from identity theft is to obtain a credit freeze. Previously, the cost was $10 per credit bureau for every freeze/unfreeze. Now, Equifax, Experian and TransUnion must each set up a webpage for requesting fraud alerts and credit freezes at no cost, due to new U.S. law. Further, the law also provides additional ID theft protections to minors. Currently, some state laws allow you to freeze a child’s credit file, while others do not.

Starting September 21, 2018, no matter where you live you’ll be able to get a free credit freeze for kids under 16 years old. Below are the details of the law.

Economic Growth, Regulatory Relief and Consumer Protection Act, congress.gov

Although it is not yet time for the law to enforce these free credit freezes, it appears that all five credit bureaus are now offering free online credit freezes. Here are the links to get you started.

Equifax: freeze.equifax.com/

Experian: experian.com/freeze

TransUnion: service.transunion.com

Innovis: innovis.com/personal/securityFreeze

NCTUE: nctue.com/Consumers

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