Step-by-Step Guide to Freezing your Credit Reports

With Equifax’s announcement of its catastrophic security breach, now would be a really good time to consider freezing your credit, if you haven’t already. Credit freezes are one of the most effective ways for consumers to protect themselves against identity theft — and this goes for anyone at any time — regardless of whether you were impacted by this specific breach.

In order to effectively freeze access to your credit files, you must contact EACH OF THE THREE major credit bureaus, Equifax, Experian, and Trans Union, separately and request that a freeze be placed on your credit report. Once you make the request, the credit bureau must:

Comply with your request within 5 business days.

The bureaus have 5 business days to have a freeze put on your entire credit file ensuring that your credit cannot be pulled without your permission.

Send you written confirmation.

The Bureaus must send you written confirmation of the Freeze request and its’ execution. You should receive written confirmation within 10-14 calendar days.


Provide your PIN or Password.

When you receive your written confirmation that a freeze has been placed on your credit file each bureau is will supply you with a PIN or Password. It’s imperative that you keep this locked away in a safe place and DO NOT lose it. If you lose the PIN/Password you will have to go through several painstaking steps to prove who you are before getting a new one issued.



Reposted with permission:  Paragon Credit Services.


Karen Jones is a Licensed Mortgage Loan Officer (NMLS 307015) serving Arizona and California.   As a Banker of over 39 years, she is dedicated in ensuring that her clients are well educated and prepared for their new home purchase.  Contact Home Loan Officer, Karen Jones when you are ready to learn more about your home loan financing options in Arizona or California.


The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Karen Jones or AmeriFirst Financial, Inc. does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. We will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.


AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ  85203 (NMLS # 145368). 1-877-276-1974. Copyright 2018. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. Click Here for Licensing Information. The services provided by Karen Jones are not a condition, nor do they create any obligation for any form of remuneration for any real estate settlement service related to any referral.



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