TransUnion offers a service called State Security Freeze, in which you can place a freeze on your credit report. This means that no one can access your credit file or obtain credit in your name, until you remove the credit freeze.
Creditors & Security Freeze
When you enact a TransUnion State Security Freeze, creditors can not pull your credit report. If they try to access your credit, it will be blank. Creditors can not view your credit report until you remove the credit freeze. This will also mean that you cannot open any new accounts.
Purpose of the Security Freeze
You may enact a security freeze for whatever reason, but commonly it's used because identity theft is suspected. By placing a security freeze on your credit report, you can stop anyone from assessing your credit without your permission. No one will be able to obtain credit in your name while the security freeze is enacted.
Cost of the Security Freeze
Depending on which state you live in and why you are enacting a security freeze, you may have to pay a few dollars to enact a security freeze against your credit. Check the Security Freeze Fee Table to determine what the fee will be in your state. If you have proof of identity theft, you may be able to enact a security freeze for free.
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