The Moors Exchange

We acknowledge a common challenge is finding time while navigating busy careers, families, and prioritizing personal finances.

01/05/2021

Under a federal law effective September 21, 2018, you can freeze and unfreeze your credit record for free at the three nationwide credit reporting companies – Experian, TransUnion, and Equifax. The federal law requiring free security freezes does not apply to someone who requests your credit report for employment, tenant-screening, or insurance purposes. Other credit reporting companies, for example employment or tenant screening companies, might charge a fee to place and lift a security freeze based on your state laws.

You can place a "freeze" on your credit file at any time, but you must contact each credit reporting company.