我是不是应该发布欺诈警报, 请求冻结安全, 或者获得信用报告锁?
你不需要选择一个单一的选项. We recommend choosing the ones that best suit your credit activity. 请参阅下面的各种选项.
- 欺诈警报: A 欺诈警报 is a notice on your credit report that alerts creditors you are or may be a victim of fraud, 包括身份盗窃. 欺诈 alerts encourage lenders and creditors to take extra steps to verify your identity, 比如打电话联系你, before opening a new credit account in your name or making changes to existing accounts. This can make it harder for someone to open unauthorized accounts in your name. 诈骗警报是免费的, and you can contact any of the three nationwide credit bureaus (德晋集团, Experian和TransUnion)请求欺诈警报. That bureau will send your request to the other two, so you do not have to contact all three. 创建后，可以在网上发布欺诈警报 my德晋集团 请致电(800)525-6285或邮寄. 打电话，或者写信. 下载这个 form 有关邮寄说明.
- 安全冻结: A 安全冻结 generally prevents access to your credit report to open new credit accounts. Unless you temporarily lift or permanently remove a freeze from your credit report, it can’t be accessed to open new accounts (subject to certain exceptions). 必须进行冻结, lifted or removed separately with each of the three nationwide credit bureaus. 安全冻结是免费的. You can place a 安全冻结 on your 德晋集团 credit report online after creating a my德晋集团 电话或信件. 下载这个 form 有关邮寄说明.
- 信用报告锁定: A credit report lock generally has the same impact on your credit report as a 安全冻结. A credit report lock allows you to lock and unlock your credit report online or by mobile app using identity verification techniques such as usernames and passwords.
Please note that you can have either a 安全冻结 or credit report lock on your 德晋集团 credit report, 但不是两者都有.
点击这里 to review who can view your credit report if you have a 安全冻结 or lock.