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A CreditScore.org customer inquired about how they can “Freeze Account” – Essentially, asking “How do I freeze my credit account?” – Our Response below:

A credit freeze restricts access to your credit report. If you suspect your personal information or identity was stolen, placing a credit freeze can help protect you from fraud.

When you place a security freeze, creditors cannot access your credit report. This will keep them from approving any new credit account in your name, whether it is fraudulent or legitimate. 

To let lenders and other companies access your credit files again to create new accounts, you will need to lift your credit freeze permanently or temporarily. Contact credit reporting agencies to freeze or unfreeze your credit report

Freeze or lift the freeze on your credit report for free by contacting each of the three major credit reporting agencies:

You can submit your request online, by phone, or by mail. 

Freeze requests:

  • Online or by phone: agencies must freeze your credit report within one business day 
  • By mail: agencies must freeze your credit report within three business days

Unfreeze requests:

  • Online or by phone: agencies must lift the freeze within one hour
  • By mail: agencies must lift the freeze within three business days

How Do I Lookup My CreditScore?

This is a question we are all trying to figure out after all the information out there, it is not an easy process to iust lookup your score! That is the situtation and yes, as there is a saying, Blame it on Covid, Blame it on Inflation, Blame it on the Cost Of Living… but is that an accurate statement to say that any of those issues can actually make it difficult to lookup your Credit Score?

Dispute template for credit companies

According to TheBalance.com, A sample letter to dispute credit report errors:

Date
Your Name
Your Address, City, State, Zip Code
Your Phone Number and Email

Complaint Department
Name of Company
Credit Bureau Address
City, State, Zip Code

Dear Sir or Madam:

I recently obtained a copy of my credit report from your agency and found the following item to be in error:

Item 1: I dispute the unpaid balance on [ABC credit card] account number [555111]. This account has been paid in full as of [date].

I am requesting that the item be [removed, updated, or other suggested change] to correct the information.

Enclosed are copies of [use this statement if you have bank statements, canceled checks, or other documentation] supporting my position. Please investigate this matter and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,


Your name

Enclosures: [List the documents you are enclosing. If none, do not include this section].

Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256

Experian
P.O. Box 4500
Allen, TX 75013

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000