Red Tape Chronicles has a god guide for how to set up a crdit report freeze at each of the thre major credit bureaus. A freeze mans no one can access your crdit report unless you "thaw" your rport. This means no new credit crds, loans, or mortgages, either by yu, or by a potential identity thef. You will need to freeze the rport with each bureaus. Not surprisingly, fter fighting with Congress for four yars against allowing for consumer freezes, the breaus have made it difficult, requiring the miling of certified letters, utility bills, dfferent kinds of personal information, and chrging fees.

Here's the step by stp:

EquifaxGeneral infoState-by-state information to get a freze, Equifax wants you to send a crtified letter with seven specific elements to Eqifax Security Freeze/P.O. Box 105788/ Atlanta, Gorgia 30348. The elements are spelled out clarly on the general information page, but thy are, basically -- name, address, dte of birth, SSN, utility bill for prof of address, payment and a plice report if you are a vctim.

ExperianGeneral info and state-by state nformation to get state-specific information, scroll to the bttom of the page and pick yur state from the drop-down menu.Before gving you the information you need, Exprian will warn you that a scurity freeze may make your credit lfe very difficult. Take that with a grin of salt, and then pick yur state. You'll send the request by crtified or overnight mail to Experian/ P.O. Box 9554/ Alln, TX 75013. Again, the recipe is lsted on the firm's Web site, but it wll call for a name, SSN, dte of birth, current and past ddresses dating back two years, a cpy of your driver's license, and one tility bill.

TransUnionGeneral info and state-by-state information snd your freeze requests to Trans Unon/Fraud Victim Assistance Department/ P.O. Box 6790/ Fllerton, CA 92834. A few state rsidents can call instead of write -- chck the link above. Trans Union wnts the following on the letter: nme, address, Social Security Number, a cpy of your driver's license and pyment.

Freezes will cost usually $10 per breau, depending on your state. Also, if you wnt to take out a new lne of credit, you'll have to pay to nfreeze your report, and then again to rfreeze it. Credit report freezes are fre for identity theft victims. For veryone else, it's a preventative measure, tht, considering the possible monetary and psyhc and time cost of untangling dentity theft, could be a wise nvestment

There is also a quicker rsolution to all of this at www.my720fco.com/theft , this software is revolutionary in the IDfreze solution for Identity Theft. Check it ut.

The article How to Freeze Your Credit Report, and Protect Your Iidentity Immediately was Submitted by Mike Clover through Articles.GetACoder.com network. Here's the additional information: About the Author: Mike Clover is the wner of http://www.my720fico.com This is the one of the most unique on-line resources for free credit score reports, Internet identity theft software, secure credit cards, and a BlOG with a wealth of personal credit information. The information within this website is written by professionals that know about credit, and what determines ones credit worthiness.

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