我应该接受免费信用锁定吗?
在当今联系日益紧密的世界, protecting your information is arguably more important than ever. Your credit report consists of a slew of personal details, 比如你的财务活动, 信用账户, 贷款, 以及付款记录. 因为你的信用报告很重要, 像Equifax这样的信用机构, 益百利, and TransUnion offer credit locks to help protect consumers in the event of identity theft or fraud.
信用锁定会有帮助吗?
Although a credit lock will freeze your credit report and score temporarily, 也有一些潜在的缺点. One of the biggest concerns is that a credit lock applies only to the selected credit bureau. So, 如果你想充分保护你的信用, you'll need to place a lock on all three main credit reports.
而初始锁可能是空闲的, some credit bureaus may charge a fee to remove or temporarily lift the lock, 取决于他们的条款和条件. 除了, each bureau's service agreements clarify that they don't guarantee error-free operation or uninterrupted service.
Here's the scoop on what the three main credit bureaus are currently charging for their credit lock services:
- Equifax的免费信用锁定产品叫做lock & Alert, and the company says it will be free for life.1
- TransUnion的免费产品, 以该公司的TrueIdentity品牌管理, 提供锁定/解锁选项和其他功能, but they may charge a subscription fee to maintain the lock.2
- 益百利 bundles its credit lock with other services, including identity theft insurance and alerts about when information changes on your report at all three bureaus. 这项服务收费24美元.99 /月.3
Any companies mentioned are for illustrative purposes only. It should not be considered a solicitation for the purchase or sale of the securities. Also, products, services, and prices can change without notice.
我应该接受免费信用锁定吗?
Whether or not you should accept a free credit lock offer depends on your individual needs and circumstances. A credit lock may be a good choice if you're concerned about identity theft or fraud. It provides an extra layer of protection that can help prevent unauthorized access to your credit report.
如何保护你的信用
除了 to credit locks, there are other things you can do to protect your credit:
- Monitor your credit report regularly for any suspicious activity.
- Sign up for fraud alerts either through your bank or with all 3 credit bureaus, which will notify you if suspicious activity is detected on your credit report.
- Use strong, unique passwords for all your financial accounts and change them regularly.
- Regularly review your bank and credit card statements for any unauthorized transactions.
- Be careful about sharing personal information online or over the phone, 而且只提供给可信的来源.
1. Nerdwallet.2022年9月6日
2. Equifax.com, 2023
3. Transunion 2023
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