Placing A Credit Freeze On Your Credit File

FOR IMMEDIATE RELEASE
(Free-Press-Release.com) May 14, 2011 -- http://www.annualfreecreditreport.biz/blog/placing-a-credit-freeze/

A credit freeze only allows the applications for credit and services that you authorize to be processed. This is best way possible to slow down identity theft.

A credit freeze will lock out any new credit from being established until you use your PIN to place a temporary credit thaw on your account. Placing a credit freeze on your credit file does not affect your current use of credit in any way, shape or form.

When you place a credit freeze on your file, the credit reporting companies will still allow you to see your credit report file online.

The cost to freeze your credit varies from $0 to $10 per credit bureau. And seeing that there are three credit bureaus, Equifax, Experian and Transunion, you would pay upto $30 for a credit freeze. The fees to thaw your credit file are also from $0 to $10 per credit bureau.

In some states, credit freezes are free for those 65 and over and for victims of identity theft. Credit freeze requests may be done either online or by certified mail.

If you have concerns about identity theft scams, then placing a credit freeze on your file could help you sleep better each night.

http://www.annualfreecreditreport.biz/blog/placing-a-credit-freeze/

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