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Credit Bureaus to Keep on Ice?

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MyDataMyChoice
Valued Contributor

Credit Bureaus to Keep on Ice?

List of known credit bureaus to keep on ice?    I want to make sure im locked down

 

 

I know

Lexis Nexus

innovis

IDRCS?  (The one US Bank pulls?)

CheckSystems

EWS

TeleCheck

 

The three major (transunion, equifax, experian)



Message 1 of 4
3 REPLIES 3
iv
Valued Contributor

Re: Credit Bureaus to Keep on Ice?

Except in cases of actual ongoing identity theft, I don't get the urge to freeze...

 

...but for those who do, the CFPB list may be handy:

http://files.consumerfinance.gov/f/201604_cfpb_list-of-consumer-reporting-companies.pdf

EQ8:850 TU8:850 EX8:850
EQ9:847 TU9:847 EX9:839
EQ5:797 TU4:807 EX2:813 - 2021-06-06
Message 2 of 4
takeshi74
Senior Contributor

Re: Credit Bureaus to Keep on Ice?

It's not about the bureaus but your specifical goals and preferences.  I didn't freeze any in the past and had no problems.  However, I have now frozen some of the secondaries.

 

Take a look at the list and decide which ones you want to freeze.

http://files.consumerfinance.gov/f/201604_cfpb_list-of-consumer-reporting-companies.pdf

Message 3 of 4
RobertEG
Legendary Contributor

Re: Credit Bureaus to Keep on Ice?

If your issue is one or identity theft, you have the option of a fraud altert under FCRA 605A rather than a more comprehensive freeze.......

Message 4 of 4
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