Stop Creditors from Conducting Credit Checks without Permission

You suddenly find that your credit scores are deteriorating for no faults on your side. A thorough check reveals that your account has been accessed by various agencies to check on your credit details without your knowledge. Multiple enquiries leads to lowering of the credit score. In addition to this such a process of easy accession may lead to identity stealing by unscrupulous people.

We can take proper measures to prevent such incidents. Here is a simple step by step guide to help you secure your Credit Account.

• Know the Law - Every country and state has a definite credit law. We should learn about them in details to be able to deal with any crisis or to take proper preventive measures.
• Analyse Report - Analyse the credit report properly from all the three bureaus and find out if any unauthorised enquiry has been conducted. This will allow you to proceed properly.
• Freeze Access - Reach all the bureaus that prepare the credit reports either on telephone or write to them asking them to put a freeze on your account. This will allow only few people to access your account. The crediting companies, government agencies, employers and people who have your personal permission can now access your account. All else will be barred from access.
• Inform Identity theft - If you are requesting the freeze to be put on your account because you have been victim of identity theft then it is best to inform the bureaus about this problem. Then you can put a freeze on your account without any cost or else you would need to pay for freezing your account.
• Online Freezing - You can request or activate the freeze of your account online also. Here you need to login to the website of all the bureaus that prepare reports and freeze your accounts separately. You would need to provide some information about yourself and after successful filling up of those data you would be prompted to provide the reason of freezing the account. If the reason is for being a victim of identity theft you get their service free of cost, otherwise they would ask you to provide the fee. After everything is completed you can send a request for a pin number that will allow you to unfreeze the account to obtain credit report and credit score.

The process of freezing your Credit Account is easy and secure. It prevents unwanted prying and checks unjustifiable lowering of your credit points.