Transunion: How To Freeze Your Credit & Protect Your Identity For Free | Don't Be A Fraud Victim
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- Опубліковано 4 жов 2024
- Here's the last of our 3-part series on how to reduce your chances of becoming a victim of identity theft and-or other types of fraud & specifically, how to freeze & unfreeze your credit with Transunion, step-by-step.
SOURCES:
www.transunion...
www.tn.gov/con...
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Thank You for this video. I was able to easily freeze my account. I did not know a freeze and a lock are different. Now, another video to watch.
Believe it or not, couldn’t find anywhere on that site that wasn’t going to charge me money for monitoring nowhere to get to the freeze. I’ve tried everything.
Excellent information as I was having difficulty getting to this page. Thanks again!!!!
Thank you thank you thank you for making this video on how to freeze transunion simple and easy instructions. I watched a few other UA-camrs before I came across yours and they were terrible. They talk too fast or bad editing or not enough information. I like how you started it assuming that a person doesn't have an account which I did not. So I needed instructions from the beginning like you did. Watching your video I froze my TransUnion account easy and super quick. However there is one thing that is out of date. Today is August 30th 2024 and your video is 1 year old and Transunion does not require a PIN number anymore which made freezing my account even easier and simpler. And I've already watched your Experian freeze account and I did that yesterday. And just froze my Equifax account watching your Equifax freezing video. And that was super easy because of your very informative video
These tutorials are fabulous! I will do this first thing tomorrow!!!❤
Thank you for making these videos.
Great video. Short and simple, very easy to follow. Thank you for sharing, Jennifer!
Thank you so much Jennifer!
Thanks for the nudge! I am locked on all 3 now.😀
Thanks again, Jenn. After going through the steps to freeze my credit report on TransUnion, I have to say that this is the most difficult of the three credit reporting companies to deal with.
First, after entering my personal info to create an account, I was asked several questions to verify my identity. The problem here was that the questions and answers had nothing to do with me. As a result, they were unable to automatically verify me, even though the process did create an account. However, if I tried to login to this resulting account, I was taken to a page that required me to call their customer support line to complete the setup process.
That leads me to the next problem. The number I was told to call did not connect to the department that needed to address my problem. Also, their customer support center is apparently located in India. There was a noticeable delay on the line, and all the representatives I spoke with had heavy Indian accents and were difficult to understand.
Once the account setup issues were resolved, the website steps to initiate the freeze were easy to follow, and my credit report is now frozen.
Thanks again for another helpful video.
Sorry to hear that the process was so difficult, but glad it worked out in the end!
It's a pain if you need quick credit. I needed a New dishwasher at home Depot and my credit was frozen so I had to call to in unfreeze it to open the store credit card to buy the unplanned dishwasher purchase. Luckily, it was an automated process, but it still took forever.
If you do this online, it really only takes a few minutes. I try to avoid calling to unfreeze when possible.
Nice, thanks!
Illinois is the worst in EVERYTHING, so I'm not surprised. Ugh
Today Apple started their saving account. Fdic and no minimum . It pays 4.15% and you can transfer money from you bank or credit union and deposit in the Apple account. If you need money you can transfer it back to your credit union instantly.
Thanks for sharing!
These states had the highest victims and not perpetrators. Mostly elderly rural folks that get scammed
Thank for your help. Does freezing my credit effect when opening a online savings account and the such offerings?
It may in some instances from what I understand (e.g. SaveBetter.com). I usually unfreeze beforehand to be on the safe side. It may make sense to check with the bank you’re trying to open the account with.
Two questions. What if a lender only pulls from one Bureau? Would you still need to unfreeze all three?
Second..wont this prevent card issuers from giving automatic credit increases being they randomly do soft pulls?
You would only need to unfreeze the bureau the lender uses. They may only use one. Ask them which one they use and only unfreeze that one.
@@stanleyyelnats69 thx
The Credit Freeze has been around for quite some time. If you froze your credit back in the day, do you think it’s advisable to go back and create an account with each credit reporting agency to be able to monitor credit freeze status? Do all three credit agencies show your credit freeze status if you login to your account? I read that Experian allows you to check status over the phone, but you must provide the rep with your PIN (which I wouldn’t do…). Your thoughts?
I would make the online accounts, so someone else cant 😅
Do I have to unfreeze for soft inquiries?
I don't know what a soft inquiry is, but about once a month I get a notice from Chase to look at my credit score and related info. Since it does usually go up or down a few points, I imagine Chase is getting data from Experian, as there is an Experian link on the page. I certainly don't unfreeze my credit report once a month.
Freezing all three credit bureaus is supposed to stop people from opening up credit cards in a person's name. I'm curious has anyone tested this out in real life to open a credit card? Every time I go to Target or Lowe's they're always asking me if I want to open a credit card with them. I always politely say no thank you. Now that I have have successfully Frozen my credit reports. I'm wondering if next time I go to Lowe's or Target I should say sure I like to have one of your credit cards just see if they actually come back and say sorry you were turned down. And I'm not saying this as a joke but to test the system