免费信用冻结在这里。这里’s How to Use Them.

随着海量 Equifax的骇客 去年,由于盗窃了1.455亿美国人(包括其社会安全号码)的敏感信息,消费者很快就变得非常熟悉 信贷冻结s,以及它们的不公平定价。发生了这样的问题,每个信用局,每次冻结(和每次举报)的费用为10美元(除非您的州要求降低费用)– that Congress actually worked free 信贷冻结s into its 银行放松管制法案 五月份过去了。




2018年9月21日, free 信贷冻结s (and lifts) officially became the law of the land – in every state.

此外,信用欺诈警报(信用局在发布信息之前必须验证您的身份)现在将保留一年(与之前90天相比)。

什么是信用冻结?回顾

free 信贷冻结提醒一下,“credit freeze”, or “信用担保冻结”, is when you instruct one of the 3 credit bureaus (Equifax, Experian, and TransUnion) to not release your credit report to a party that requests it, without your express consent. Without access to your credit report, a 信贷冻结 effectively prevents companies from reviewing your credit history and then extending credit, loans, and services to someone using your identification (in effect, preventing fraudulent new accounts from being opened with your identification).

例如,如果您的社会保险号被盗,并且小偷试图用您的名字开通以美国运通卡为名的信用额度,并且冻结了每个局,那么美国运通卡将无法为您提取信用报告,并且小偷将无法开设新帐户。如果您想获得自己的信贷额度批准,则需要解除冻结。

Unfortunately, a 信贷冻结 at one of the credit bureaus, does not extend to the other two. So if you want to cover yourself, you would need to create a separate freeze at all 3 bureaus.

如何申请信用冻结或取消信用冻结

To request a 信贷冻结, temporary 信贷冻结 lift (where you select the date to lift and re-freeze), or indefinite 信贷冻结 lift, you’ll need to visit each of the following credit bureau sites:




提交冻结文件时,系统会提供PIN码。保留该PIN码– you’如果您以后想要解除冻结,则需要。

信用冻结与信用锁定

I have covered this in more detail, but a 信贷冻结 is not the same thing as a 信用锁定 (各局已开始大力推销)。我建议避免使用信用锁,因为信用锁的保护性较差,在州一级不受监管,价格可能更高,并且可能导致第一方和第三方的市场征集。

如果你’我曾经是身份盗用的受害者,’d还建议您检查 美国联邦贸易委员会’s identitytheft.gov.

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