Locking Your Credit Report

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THERE ARE TWO WAYS TO TEMPORARILY PREVENT LENDERS AND OTHERS FROM ACCESSING YOUR CREDIT: LOCK IT YOURSELF, OR HAVE US FREEZE YOUR ACCOUNT.

What’s the difference?

Locking
Locking your account puts you in control with no waiting and no PIN to remember and no fee for this service.  Enroll in TrueIdentity free – no credit card required – and you’ll have access to your TransUnion credit report, the ability to lock and unlock your credit whenever you want and, free monitoring alerts.

Freezing
Freezing your credit will prevent lenders and others including (depending on your state’s law) landlords, employers and others from accessing your TransUnion 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.

How do I decide what to do?

Lock Freeze
You want instant independent control over access to your credit information You'd rather have TransUnion control access to your credit information
You want to be able to lock or unlock access to your credit - FREE You understand there are often fees for both freezing and unfreezing your credit (varies by state, click here for details)
You want online, realtime ability to lock and unlock your file as often as you want, with no fees. You are willing to provide your PIN and wait some period for a freeze to be placed or lifted
Enroll in TrueIdentity now Click to initiate Freeze process

 Note: You will need to place a security freeze separately with each of the three major credit reporting companies. There may be a fee based on state law; click here for details

A security freeze remains on your credit file until you remove it.  You will need to plan ahead and contact any credit bureau with whom you place a freeze before applying for new credit.