8/18/2023 0 Comments Transunion freeze redditLexisNexis: holds public records, but often used by financial institutions to verify identity.You may want to order a copy of your ChexSystems consumer report or create an account with the ChexSystems consumer portal before you place a security freeze.ChexSystems: IMO this one is really important to freeze, even if you're not a victim of identity theft.If you are a victim of identify theft, I would highly recommend placing security freezes on ALL of the bureaus in the list below (in addition to Equifax, Experian, and TransUnion)īureaus used for bank account applications: It is possible to pin-point each freezable credit bureau and freeze them, as the CFPB maintains a list of bureaus, and notates which ones are or are not freezable. This is the case in part because there are several other bureaus that may be checked instead of one of the main three reports. Using your E-Verify account, you can place an E-Verify lock on your SSN, which can help prevent identity thieves from obtaining employment in your name.Īlthough freezing your reports at the main three credit bureaus is essential, it is not enough. However, you should create an E-Verify account before doing this because you will not be able to create an E-Verify account if your Experian report has a freeze or fraud alert. If you haven't already, you should freeze your credit reports at Equifax, Experian, and TransUnion. Taking all of the steps in this post may be a pain, but will be a lot easier than dealing with preventable identity theft. If using an FTC report to opt out, select identity theft as the reason, enter "federal" as the jurisdiction where prompted, attach a PDF of the FTC report, and enter the FTC report number from the PDF where prompted.Opt out of LexisNexis if eligible (has a different effect than freezing LexisNexis).A "freeze" is not the same as a "lock." I would suggest freezes over credit locks because they provide more legal protection and are generally harder than credit locks for identity thieves to remove.Freeze your consumer reports at Equifax, Experian, TransUnion, ChexSystems, LexisNexis, and NCTUE.TL DR: The MOST IMPORTANT preventative steps are to: If you have already had fraudulent accounts opened in your name, you should ALSO follow the steps here. This post is primarily intended as a guide for United States residents on how to help prevent identity theft from occurring.
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