![]() ![]() Once you've frozen a report, you'll have to remember to unfreeze (or “thaw”) it before applying for a new account. You have to thaw your reports before applying.You'll also have to contact each of the other reporting agencies, even if they share a parent company, to freeze your reports. Unlike with fraud alerts, you have to freeze each of your three credit reports separately. It's free to freeze and unfreeze your reports, and there are often options to do this online, over the phone or by mail. While a freeze can help keep someone else from opening a new account in your name, they're not a fool-proof option and there are drawbacks to consider. You can review your report and dispute any inaccurate information for free, and the company has to investigate any non-frivolous disputes within 30 to 45 days. Although, unlike with the big three, you won't necessarily receive a free report at least once every 12 months. ![]() The Fair Credit Reporting Act (FCRA) also applies to these agencies, which means you can request a copy of your report. Freezing your report may keep a fraudster from opening various types of accounts in your name. LexisNexis Risk Solutions owns SageStream, and you can request a freeze from their website. SageStream collects and reports information to auto lenders, credit card issuers, retailers, utility companies and mobile phone carriers. Freezing your report may keep a fraudster from opening a new mobile phone plan or utility account. The NCTUE focuses on payment and account history data related to telecommunications, television, and utility accounts.
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