We therefore also recommend freezing your credit report at NCTUE. NOTE: Some news outlets have reported that cell phone companies have opened fraudulent accounts using credit reports provided by the National Consumer Telecom & Utilities Exchange (NCTUE). It just means you’ll have to unfreeze your credit report before applying for a new loan.)
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(There’s a potentially confusing “Security Freeze Warning” section. Some steps will vary but the process is very similar. Now repeat the steps with the other two big credit bureaus. A security freeze (also known as credit freeze) of your Equifax credit report is regulated by federal law. You’ll need it later if and when you want to lift the freeze on your reports. Step #7 This is key: Record your PIN in a safe place. Step #6 Download and view your “one-time PDF,” which contains your PIN. As part of your Equifax Complete Family Plan, Equifax Complete Premier, Equifax Credit Monitor or Equifax Complete product, you can lock or unlock your Equifax credit report within your myEquifax account. Step #5 Confirm that you want to freeze your credit report. You can place, temporarily lift or permanently remove a freeze on your Equifax credit report for free online, by phone or by mail. An extension can be requested for a period of up to 12 months or such other period as is reasonable in the circumstances. If you would like to have the ban remain on your credit report, before the ban period ends you can request an extension of the ban. Step #4 Click “Place Or Manage A Freeze.” All three major credit bureaus, Equifax included, allow you to freeze your credit online, by phone or by regular mail. After 21 days, the ban on your credit report will be lifted. You may need to enter a code that the credit bureau sends to your email. Step #3 Follow the directions to verify your identity.
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You’ll need to provide your full name, date of birth, address, email and Social Security number. Step #2 If you don’t already have an account, make one.