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    • Home
    • About Us
      • About NACPI
      • Contact Us
      • NACPI Officers
      • NACPI Executive Board
      • NACPI Board of Directors
      • NACPI's Regions
      • NACPI Bylaws
    • Links-Contacts
      • Consumer Reporting
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      • Publications
      • Laws
      • Legal Filings
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      • Annual Conference
      • Education
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      • Membership Qualification
      • Membership Forms
      • Membership Fee
      • NACPI Member Recognition
    • Consumer Tips
      • Covid-19 Scams
      • Credit Agencies
      • Robo Calls
      • Shopping Tips
      • Gift Cards
      • Home Improvement
      • Scams
      • Auto Repair

NACPI

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Consumer Tips

Credit Agencies

Equifax            800-685-1111
Experian          888-397-3742
Transunion      888-909-8872



Fraud Alert vs Credit Freeze


Fraud Alert

  • Makes vendors verify your identity before granting a new credit in your name
  • Free
  • Available to anyone who is or suspects they may be affected by identity theft
  • Last one year
  • To activate contact one of the three credit bureaus.  That bureau must tell the other two


Credit Freeze

  • Restricts access to your credit report to help prevent identity theft.  (Usually you'll need a PIN or password to life the freeze. Do not lose it!) 
  • Free
  • Available to anyone
  • Lasts until you lift it
  • To place or lift: Contact all three credit bureaus.  (if you know which bureau a lender will use, you can lift for only that one)


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