Just took a great Continueing Education class on FAIR Isaac Credit Scores, what it means, how they are measured and general information about how lender's use credit scores to determine lendability.
One of the best things that came up was that everyone should probably "freeze" their credit report. When a securitye freeze is aded to your credit report, all third parties whose access is not exempt under law will not be able to access your credit report without your consent. If you have beena victim or identity theft, this service is highly recommended.
This is a free service in all states if you have been a victim of identity theft. If you are not a victim, there is a charge in Arizona of $5.00 per bureau to add, lift or remove a Securtiy Freeze. Once you have ordered a security freeze there are still some agencies that can have access to your credit file:
- Companies you have a current financial relationship with.
- State, local law enforcement agencies and child support agencies
- Governmental agencies
- Uses falling under the FCRA disclosure to the FBI for counterintelligence
- Crdit monitoring services that the consumer has subscribed to.
The three main credit bureau's are Equifax, Experian and TransUnion.
You should be able to go online and request a freeze on your credit account. Their websites are as follows;
Equifax - www.equifax.com
Experian - www.experian.com
TransUnion - www.Transunion.com
let me know if you have any questions.
Sincerely,
Deepak Verma
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