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CREDIT REPORTS ........FREEZE YOURS, yes FREEZE

By
Real Estate Agent with New England Real Estate Center Inc. CT005184

 

CREDIT REPORTS ........FREEZE YOURS, yes FREEZE

   Yes you read it right. Did you know you could FREEZE your report. Now most people have alerts that let you know when someones up to no good.

                                     But by the time you find it it's probably to late.

Now you can FREEZE your credit report

                        and this means from YOU to. .............What you talking about Willis

                                                  it's your money

                               THINK OF IT THIS WAY YOUR CREDIT IS ALSO YOUR MONEY

If you should decide to freeze your account

      you need to allow time to unfreeze it. In Mass it takes 3 days to have it frozen and 5 days to unfreeze................ so plan ahead.

              Need a car quick...........no go   Need an apartment quick............no go     5 days

 

Cost to freeze is $ 5.00 and to unfreeze is $ 5.00      You will also need to send 2 forms of I.D. one being a utility bill. Once you sign up you will be given a password and pin for easier access.

If someone should try and open an account in your name...............report shows FROZEN Sorry no credit allowed.

And if one of your credit cards does a random check on you ( which on occasion they do) they'll find the same thing which they already know is happening more and more.  Your rights are already a law.

                                 CALL OR CLICK TODAY Call today or click on a link below

 

                      Equifax                         TransUnion                    Experian

Each request must be done separately to each reporting agency. When you get to their sites PLEASE read all the facts.

                              Because the more you know the better off you are.

 

And if you like what you have read and want to read and learn more

                                            just follow us below.  click on the flowers

 

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Jeff Jensen
The Federal Savings Bank/Lending in 50 states - Greenwich, CT

We encounter this occasionally when processing mortgage applications.

Nov 03, 2011 06:05 AM
Joe Petrowsky
Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - Manchester, CT
Your Mortgage Consultant for Life

It may be a good idea for folks that rarely use credit, but a pain otherwise.

Nov 03, 2011 07:10 AM
David Shamansky
US Mortgages - David Shamansky - Highlands Ranch, CO
Creative, Aggressive & 560 FICO - OK, Colorado Mtg

I have too run into this but my experience was far from easy. Took the client about 5 minutes on a call to put a FREEZE on the credit to an act of God and over 30 days to get the damn thing lifted so we could order credit and close???

 

Think twice before you freeze your credit you may get WAY more than you bargained for. If you really want to protect it monitor it or get Life Lock removes all the bureau headaches and those are a plenty!

Nov 03, 2011 07:24 AM
Will Nesbitt
Nesbitt Realty at Condo Alexandria - Alexandria, VA
Nesbitt Realty is a family-run brokerage.

Don, great post, very useful information to have. I've delt a few times.

Nov 03, 2011 07:42 AM
Joe Kenny
Realty Executive Midwest - Darien, IL
Better Than Your Average Joe

Don, now that is some information that needs to be shared.  Thanks for sharing, its a good life.

Nov 03, 2011 10:13 AM
Michael Thornton
RadnorLake Video - Nashville, TN
Nashville Area - Photography & Videography

Good evening, Don. Now that is interesting. I did not know that you could freeze your credit reports...

Nov 03, 2011 10:26 AM
Don MacLean
New England Real Estate Center Inc. - Easton, MA
Realtor-Homes for Sale- Easton, Mass 02356

Jeff, it is slowly becoming more of the norm. People need to remember the unfreeze rules.

Joe, As we get older we tend to apply for things as much so check it out.

David, Sorry to hear that..................just an alternative to those who are pretty much done with credit app's and such...................each state has a law as far as the unfreeze time frame.

Will, I just heard about it a few weeks ago and found it interesting...............figured I would pass it on

Joe, share away......................just remind people to do their homework

Micheal, As I said I didn;t know either and it's low cost is a one time deal, regulated through the state. If your all set credit wise it appears to be a no brainier

                                          Thanks for popping by

 

 

 

Nov 04, 2011 03:07 AM