Credit Freeze Lockout Bere a Wɔrebɔ Bosea a Ɛho Hia Ntɛmntɛm, Kar Boa, anaa Ɔdan Ho Akwankyerɛ¶

Security freeze a wode bɛto wo credit files so bere a woabu data so akyi anaasɛ kɔmputa so ntua ne nnipa a wowia wɔn ho asɛm a esii no yɛ mmara kwan so kyɛm a emu yɛ den sen biara a ɛko tia bosea a wɔmma ho kwan, nanso ɛde sikasɛm mu ntɛmpɛ a emu yɛ den ba bere a wote baabi a wɔtɔn kar Kwasida awia, retu mmirika nnɔnhwerew 24 dan ka-lock ne underwriting deadline, anaasɛ woresi akan wɔ dan a wɔbɛfa ho na wuhu sɛ nea ɔde bosea ma no bosea twetwe no dii nkogu ara kwa wɔ "Frozen File / No Credit File Sane" mfomso. Nea enye koraa no, adetɔfo ɔpepem pii a wɔde wɔn bosea too nwini mu mfe bi a atwam ni no hu bere a wɔreto boseabɔ a egye ntɛmpɛ mu sɛ wɔhweree wɔn agyapade krataa a ɛwɔ ahinasa 10 Freeze PIN, sesaa telefon a wokura kyin nɔma a wɔakyekyere wɔ wɔn nneɛma abien ahotoso (2FA) ho, anaasɛ wɔwɔ freeze a ɛto so anan anaa anum a ahintaw wɔ ChexSystems, Innovis, anaa NCTUE so wɔn sikakorabea akontaabu anaa utility nhyehyɛe a wɔde siw ano komm.

Wɔ ɔman mmara a ɛwɔ United States (15 U.S.C. § 1681c-1, Fair Credit Reporting Act sɛnea wɔayɛ nsakrae wɔ Sikasɛm mu Nkɔso, Mmarahyɛ Ho Mmoa, ne Adetɔfo Ahobammɔ Mmara ase) ase no, mmara hwehwɛ sɛ ɔman no nyinaa mu boseabɔ ho amanneɛbɔ adwumayɛbea ahorow no gyae ahobammɔ a wɔahyɛ no den wɔ dɔnhwerew 1 mu (na wɔ nneyɛe mu no wɔ simma 2 kosi 15 mu) bere a wode adesrɛ bi kɔma wɔ intanɛt so anaa telefon so, a wontua hwee koraa. Sɛ towtua ho adansedi krataa a wowia na ɛde wo freeze no bae a, hwɛ mu nso identity theft tow a wɔsan tua ho nsisi ne IRS IP PIN; sɛ wɔasiw sikakorabea akontaabu bi a wɔde sie a, hwɛ sikakorabea akontaabu a wɔto mu mpofirim ne ChexSystems blacklisting; na sɛ worehyia sikasɛm mu nsisi a ɛyɛ nnam a obi a ɔwɔ telefon so rekyerɛkyerɛ wo sɛ wubeyi wo sika a wode abɔ bosea no afi hɔ mprempren a, to telefon so ntɛm ara na hwɛ sika kɔkɔɔ ne sika a wɔde kɔma nkurɔfo ho nsisi no anaa frɛ wo mpɔtam hɔ ntɛmpɛ nɔma (hwɛ yɛn nɔma ahorow a egye ntɛmpɛ nkyerɛwde a wɔde kyerɛw nsɛm).

Yɛ eyi mprempren¶

1. Bisa boseabɔ sohwɛfoɔ, kar sikasɛm sohwɛfoɔ, anaa ɔdansifoɔ a ɔhwɛ boseabɔ adwumayɛbea(s) pɔtee a wɔn nhyehyɛeɛ no twetwe: Siesie wo ho berɛ denam bisa a wobɛbisa sɛ ebia wɔtwe adwumayɛbea baako (sɛ nhwɛsoɔ no, Experian ma kar bosea nko ara anaa TransUnion ResidentScore ma dan bi) anaa tri-merge amanneɛbɔ (adwumayɛbea mmiɛnsa no nyinaa ma atraeɛ dan ka).
2. Nsɛe nnɔnhwerew pii nhwehwɛ wo fie hwehwɛ krataa dedaw Freeze PIN: Equifax, Experian, ne TransUnion wɔ krataa PIN a ɛyɛ ahyɛde a wɔakɔ pɛnhyen ama wɔn a wɔde di dwuma wɔ intanɛt so. Seesei wubetumi ayi freeze afi hɔ wɔ nea ennu simma anum mu denam wo intanɛt akontaabu a wobɛkɔ mu (anaasɛ wobɛsan asiesie) wɔ my.equifax.com, . experian.com/freeze, na service.transunion.com de nsɛmmisa a ɛkyerɛ sɛ obi yɛ onipa a ɔyɛ nnam a wɔde di dwuma.
3. Bere nyinaa paw "Temporary Lift / Scheduled Thaw" a ɛwɔ nnɔnhwerew 48 kosi 72-date range mmom sen "Permanent Removal": Bere tiaa mu thaw a wɔahyɛ da ayɛ no san de wo credit file no san yɛ freeze ankasa wɔ da a wobɛpaw no awiei, na ɛhwɛ hu sɛ wo werɛ remfi da sɛ wobɛto wo credit no mu bio bere a bosea no awie no.
4. Hwɛ sɛ wobɛma "Security Freeze" so sen sɛ wobɛtua sika de abue aguadi "Credit Lock" (anaasɛ nea ɛne no bɔ abira): Sɛ wo intanɛt dashboard ka sɛ wo fael no yɛ "Unfrozen" nanso nea ɔde sika fɛm no da so ara nya mfomso a wɔde siw ano a, hwɛ sɛ ebia woadi kan akyerɛw wo din wɔ subscription app a wotua ho ka te sɛ Experian CreditLock, TransUnion TrueIdentity, anaa Equifax Lock & Alert, a ɛde toggle switch a ɛyɛ soronko fi mmara kwan so FCRA Security Freeze so di dwuma.
5. Twɛn simma 5 kosi 15 bere a woanya confirmation screen no akyi ansa na woaka akyerɛ nea ɔde sika fɛm no sɛ ɔnkliki "Re-Pull Credit": Bere a ɛkame ayɛ sɛ bureau databases yɛ foforo ntɛm ara no, mortgage tri-merge aggregators (te sɛ CoreLogic Credco, MeridianLink, anaa Factual Data) de cache mfomso mmuae simma pii. Bisa nea ɔde sika fɛm no sɛ onbue adesrɛ a wɔde twetwe nneɛma foforo sen sɛ ɔbɛsan ayɛ mfomso tekiti dedaw no foforo.
6. Sɛ telefon dua anaa wɛb portal a ɛyɛ adwuma ankasa no pow wo nipasu esiane sɛ wo fon nɔma sesa nti a, bisa nea ɔde bosea ma anaa nea ɔtɔn kar no ma ɔmfa "Single-Use Lender Passcode" mma anaasɛ conference-call the bureau's manual verification desk: Hwɛ telefon keypad bypass anammɔn pɔtee a ɛwɔ ase ha no mu na woakɔ live bureau specialist nkyɛn anaa fa verification foforo di dwuma.

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Gyinaesi dua: worebue credit fael a wɔahyɛ no nwini bere a wɔrehwehwɛ akwammisa a egye ntɛmpɛ¶

Di diagnostic flowchart yi akyi na popa frozen credit report block wɔ nea ennu simma 15 mu a egyina application no su ne access huammɔdi so.

flowchart TD
    Start["Ɔdefɛmfoɔ, Kartɔnfoɔ, anaa Ofiewura Bɔ amanneɛ sɛ ‘Credit File Frozen / Cannot Pull Report’."] --> IdentifyPull{"1. Application bɛn na wɔasiw ano?"}
    IdentifyPull -->|"A. Adan a Wɔde Ma (Fannie Mae / Freddie Mac / FHA / VA) ."| TriMerge["Ɛsɛ sɛ Ɛma Ɔman no Nyinaa Dwumadibea 3 no Nyinaa Nsu: Equifax, Experian, NE TransUnion (Nea ɛka ho Innovis sɛ Underwriter Bisa a)"]
    IdentifyPull -->|"B. Kar Boa, Credit Card, Ankorankoro Boa, anaa Adan a Wɔde Ma"| AskBureau["Bisa Sikasɛm sohwɛfo anaa Leasing Agent Bureau Pɛpɛɛpɛ a Wɔde Di Dwuma (Mpɛn pii no Single-Bureau Pull) ."]
    IdentifyPull -->|"C. Checking/Savings Account anaa CD a Wobue Foforo"| ChexCheck["Thaw ChexSystems (chexsystems.com) NA Bisa sɛ Bank nso Soft-Pulls Experian / Equifax / Kɔkɔbɔ a Edi Kan"]
    TriMerge --> AccessTest{"2. So wubetumi akɔ bureau no wɛb portal so wɔ wo smartphone anaa kɔmputa so mprempren ara?"}
    AskBureau --> AccessTest
    AccessTest -->|"Yiw: Woakɔ mu yiye"| CheckLockType{"3. So portal no kyerɛ ‘Security Freeze’ a ɛyɛ adwuma anaasɛ aguadi ‘Credit Lock’?"}
    AccessTest -->|"Dabi: Woayera password, email dedaw, woasesa mobile 2FA nɔma, anaasɛ legacy PIN ayera"| PhoneIVR["Fa Bureau Automated Telephone Thaw Line Di Dwuma (Bua 4 Out-of-Wallet Credit Abakɔsɛm Nsɛmmisa a Enhia 2FA Text)"]
    CheckLockType -->|"Ahobammɔ Freeze"| SetTempThaw["Paw ‘Bere tiaa mu Ma Freeze so’; Set Start Date = Ɛnnɛ ne End Date = Nnafua 3 kosi 7 Efi Ɛnnɛ; Fa kɔma"]
    CheckLockType -->|"Abien no nyinaa anaasɛ Commercial Lock"| UnlockApp["Toggle Off Mmara kwan so Freeze NE Aguadi Lock Biara (Experian CreditLock / Equifax Lock & Alert) no nyinaa"]
    PhoneIVR --> IVRPass{"4. So telefon nhyehyɛe a wɔde di dwuma wɔ ɔkwan a ɛyɛ adwuma so no nam boseabɔ ho abakɔsɛm ho nsɛmmisa so dii wo ho adanse?"}
    IVRPass -->|"Yiw"| SetTempThaw
    IVRPass -->|"Dabi: Phone IVR adi nkogu anaasɛ wɔde frankaa ahyɛ mu sɛ wɔmfa nsa nhwɛ mu"| LiveEscalation["Frɛ Bureau Live Freeze Ɔbenfo Line; Bisa Mortgage/Auto Lender sɛ Wɔboa Experian One-Time Access Code anaa; Twɛn 15 Mins & San Twe"]
    SetTempThaw --> WaitRePull["Twɛn Simma 5 kosi 15; Ma Lender no Nnya Credit Pull Request a Ɛyɛ Foforo (Ɛnyɛ Cached Refresh) ."]
    UnlockApp --> WaitRePull

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Nsuo a ɛtɔ ntɛmntɛm tẽẽ: Equifax, Experian, TransUnion, ChexSystems, ne Innovis¶

Sɛ wugyina counter ho anaasɛ woretu mmirika wɔ dɔn a wɔde to mu a, nhwehwɛ Google so nhwehwɛ credit bureau telefon nɔma ahorow, efisɛ mpɛn pii no, nea efi nhwehwɛmu a ɛwɔ soro no yɛ nea wɔde boseabɔ ho dawurubɔ a wotua ho ka anaasɛ phishing site ahorow ahyɛ mu ma. Fa saa direct-access table a wɔagye atom yi di dwuma.

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Ɔhaw ahorow a wosiesie no anammɔn anammɔn bere a wɔato wo bureau akontaabu mu no¶

Adeɛ a ɛtaa ba nti a simma 5 credit thaw dane nna pii ahokyere ne authentication lockout: wode adwuma email address a wunni bio na ɛyɛɛ wo bureau account mfeɛ anum a atwam ni, wo nyaa cell phone nɔma foforɔ enti two-factor authentication (2FA) text no kɔ ɔhɔhoɔ nkyɛn, anaasɛ wohwere wo legacy paper PIN. Sɛnea wobetumi atwa ɔkwan biara a wɔasiw ano wɔ mmara kwan so ne ntɛm ara ni.

Ɔhaw 1: Wohweree w’agyapade Freeze PIN a ɛwɔ digit 4, digit 6, anaa digit 10 no¶

Ansa na aban mmara a ɛfa free-freeze ho no refi ase adi dwuma wɔ September 2018 mu no, credit bureau biara de honam fam krataa a ɛwɔ kokoam akontaahyɛde PIN mena na wɔpowee sɛ wobeyi wo amanneɛbɔ no afi freeze a enni hɔ. Ɛnnɛ, wonhia wo krataa PIN dedaw no wɔ ɔman no nyinaa boseabɔ adwumayɛbea abiɛsa no mu biara mu: 1. Wɔ Equifax (my.equifax.com): Klik Sign In (anaasɛ Create an Account sɛ wo froze denam telefon/mail so mfe bi a atwam ni nkutoo a). Sɛ wokɔ myEquifax dashboard no mu pɛ a, kɔ Equifax Credit Report -> Manage a Freeze. Wubetumi ayɛ nhyehyɛe sɛ wobɛma ayɛ nwini bere tiaa bi anaasɛ wobɛyi afi hɔ daa denam kliki mprenu so, na wɔmmisa PIN biara da. 2. Wɔ TransUnion (service.transunion.com): Kɔ TransUnion Service Center (anaasɛ fa wo Social Security nɔma ne mprempren address no klik Create Account so). Sɛ nhyehyɛe no di wo ho adanse denam Nimdeɛ-Gyinae a Wɔde Di Dwuma (KBA), a ɛyɛ nsɛmmisa anan a wubetumi apaw pii a wonya fi wo kar bosea a atwam, dan ka, anaa address ahorow mu a, klik Freeze tab no so na klik Temporarily Lift Freeze so. 3. Wɔ Experian (experian.com/freeze): Kɔ wo Experian member account a wontua hwee no mu na toggle wo freeze no wɔ Security Freeze ase. Sɛ wompɛ sɛ wokɔ mu na wode "Manage Security Freeze" kratasin a egyina hɔ ma no di dwuma a, klik link a ɛkenkan sɛ "Brɛ wo PIN anaa nya nkaebɔ": Experian bebisa nsɛm anan a ɛfa credit-history ho a wobɛpaw pii na wada wo PIN adi wɔ screen no so ntɛm ara.

Ɔhaw 2: Wo mobile phone nɔma anaa email sesae, na esiw 2FA kwan a wɔfa so kɔ wɛbsaet no so¶

Sɛ wɛb portal no pɛ sɛ ɛde digit 6 verification code kɔ telefon nɔma bi a wotwaa mu mfeɛ mmienu a atwam no so a, gyae mmɔden a wobɛbɔ sɛ wobɛkɔ wɛbsaet no so, ɛfiri sɛ wɛb login a ɛdi nkoguo mpɛn pii no kanyan nnɔnhwerew 24 anti-fraud lockout. Mmom no, dan kɔ Automated Telephone (IVR) Freeze Line no so ntɛm ara: - Nea enti a telefon nhama no yɛ adwuma bere a wɛbsaet no di nkogu: Telefon nhyehyɛe a ɛyɛ adwuma wɔ Equifax (1-888-298-0045), Experian (1-888-397-3742), ne TransUnion (1-800-916-8800) no ɛnhwehwɛ sɛ wobɛkɔ wo email address dedaw no so. - Sɛnea wobɛtwa telefon KBA quiz no mu yiye: - Frɛ fi dan a ɛhɔ yɛ dinn mu na fa wo telefon keypad di dwuma sen sɛ wode nne bedi dwuma sɛnea ɛbɛyɛ a dede a ɛwɔ akyi wɔ kartɔnbea anaa sikakorabea mu no remma akenkan a ɛnteɛ. - Ma wommue sika a wode gye sika nnansa yi anaa wo sikakorabea app no ​​bi wɔ w’anim. Ɛnne a wɔde yɛ adwuma no bɛbisa 3 kɔsi 4 Out-of-Wallet Questions, te sɛ: "Wɔ afe 2021 mu no, wubuee kar bosea. Wɔn a wɔde bosea ma a wɔdi so yi mu hena na na ɔne no wɔ? Mia 1 ma Ally Financial, Press 2 ma Toyota Motor Credit..." ne "Ɛbɛyɛ sɛ sika a wotua ɔsram biara wɔ wo dan ka ho? Mia 1 ma $1,800 kɔsi $1,900..." anaa "Mia 5 ma Nea Ɛwɔ Atifi Hɔ no Biara Nni Hɔ." - Afiri a ɛho hia ma "Atifi no mu biara nni hɔ": Ɛkame ayɛ sɛ bureau KBA quiz biara ka anyɛ yiye koraa no afiri ho asɛmmisa biako a woannya saa bosea no da anaasɛ woantra saa abɔnten so da. Mfa sikakorabea bi a wɔanhyɛ da nsusuw ho sɛ emu biara nni hɔ a ɛte sɛ nea wunim a; Mia 5 ("Atifi no mu biara nni hɔ") a ahotoso wom. - Sɛ wofa nsɛmmisa 4 no kɔ telefon so wie a, paw "Ma wo ahobammɔ freeze no so bere tiaa bi ma da pɔtee bi," hyɛ nnɛ date (MM/DD/YYYY) ne da a wɔde bɛba awiei nnafua 3 kosi 7 fi nnɛ, na kyerɛw nɔma a wɔde si so dua a wɔaka no to hɔ.

Ɔhaw 3: Wɛbsaet no NE telefon so nsɛmmisa a wɔde yɛ adwuma no nyinaa di nkogu (Edin Nkyɛmu, Address a Ɛnhyia, anaa Nsisi ho Kɔkɔbɔ) .¶

Sɛ woatu akɔtena baabi foforo nnansa yi ara, wowɔ awo ntoatoaso akyi asɛmfua (Jr., Sr., III) anaa edin a etwa to a wɔde nkyerɛwde ahyɛ mu, anaasɛ wowɔ 7-Year Extended Fraud Victim Alert a ɛyɛ adwuma wɔ wo fael so a, wɛbsaet no ne telefon dua a wɔde afiri yɛ no nyinaa betumi apow sɛ wɔbɛhwɛ sɛ woyɛ nokware na wɔaka sɛ: "Yɛrentumi nni w'abisade no ho dwuma wɔ kɔmputa so; yɛsrɛ sɛ fa wo karkafo tumi krataa ne mfaso a wode di dwuma no bi mena bill." Sɛ dan ka ho lock anaa kar a wobɛtɔ no twam nnɛ a, krataa a egye adwuma nnafua 10 a wode bɛmena no nyɛ ɔkwan a wobɛfa so. Fa akwan abiɛsa a wɔfa so yɛ adwuma ntɛm ara yi di dwuma:

1. Bɛsa Electronic Document Upload Link fi Live Freeze Ho Ɔbenfo bi hɔ:
2. Frɛ adwumayɛbea no live support line (Equifax 1-888-378-4329, Osuahufo 1-888-397-3742, TransUnion a ɛwɔ hɔ no 1-800-916-8800), nsɛmma nhoma tintim 0 anaa ka sɛ "Kasa kyerɛ agent bi fa ntɛmpɛ dan ka a wɔde to freeze lockout mu ho."
3. Bisa ɔbenfoɔ no sɛ ɔmfa Secure One-Time Mobile Document Upload Link nkɔ wo smartphone camera no so (sɛnea ɛbɛyɛ a wobɛtumi atwa wo karka tumi krataa no anim ne akyi mfonini a ɛte aseɛ ne sikakorabea krataa anaa utility bill berɛ a wowɔ telefon so) ANAA bisa sɛ wɔbɛtumi de wo akɔ Special Handling / Executive Consumer Relations Desk ma wɔde ano akyerɛ sɛ ɛyɛ nokware anaa.
4. Fa "Ɔdefɛmfoɔ Passcode a Wɔde Di Dwuma Baako" (Experian & TransUnion Creditor Codes):
5. Experian ne TransUnion nyinaa ma wo kwan ma woyɛ One-Time Creditor Access Passcode (wɔ Experian, wɔfrɛ no Single-Use PIN de ma kwan ma ɔdefɛmfoɔ baako pɛ kwan). Sɛ mpo date-range thaw reyɛ glitching, saa alphanumeric code yi a wode ma wo boseabɔ sohwɛfo anaa dan screening portal tẽẽ no ma wɔn software no tumi tu freeze no mu ma twe biako pɛ a ennye freeze no mu mma obi foforo.
6. Bisa Mortgage Underwriter anaa Auto Finance Director no sɛ ɔmma no Two-Bureau anaa Single-Bureau Exception:
7. Auto bosea, credit card, ne apartments: Sɛ wɔato Experian mu wɔ verification loop a wontumi nsiesie nnɛ a, bisa auto dealership no Finance & Insurance (F&I) Director anaa credit card a ɔde ma no Credit Analyst Recon Line sɛ ɔntwe TransUnion anaa Equifax mmom. Ɛkame ayɛ sɛ kar boseabɔfo titiriw biara (Chase Auto, Capital One, Bank of America, boseabɔ akuw, ne wɔn a wɔde bosea ma wɔ nnommumfa mu) ne adwumayɛbea abiɛsa no nyinaa ayɛ biako na wobetumi asesa wɔn automated underwriting pull no akɔ adwumayɛbea abien a wudii nkonim wɔ sikɔne 30 mu no mu biako so.
8. Residential Mortgages: Bere a Fannie Mae (Desktop Underwriter / DU) ne Freddie Mac (Loan Product Advisor / LPA) boseabɔ a wɔtaa de ma no bisa amanneɛbɔ a wɔde ka bom abiɛsa no, engine ahorow a wɔde kyerɛw nneɛma a wɔde di dwuma wɔ ɔkwan a ɛyɛ adwuma so no betumi de Approve/Eligible finding ama wɔ mmara kwan so denam adwumayɛbea abien amanneɛbɔ a wɔaka abom (bi-merge) a wɔde bedi dwuma so sɛ wɔabara biako a na nea ɔde bosea no ma nea ɔde bosea no tumi sɛ ɔnkɔ so nkɔ adwumayɛbea abien a wɔanhyɛ da no so, sɛ nea ɔde sika fɛm no sikakorafo a wɔde kata so no ma kwan a. Bisa wo dan ka ho ɔpanyin no sɛ ɔnkɔhwɛ wɔn Credit Vendor Desk ntɛm ara.

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Nea enti a wo boseabɔfo no da so ara hu "Frozen" bere a woayɛ no nwini akyi (ne sɛnea wobesiesie afiri 4 a ahintaw no)¶

Nneɛma kakraa bi na ɛyɛ abasamtu sen sɛ wobɛhwɛ wo fon screen a ɛkyerɛ "Equifax: Unfrozen, Experian: Unfrozen, TransUnion: Unfrozen" bere a boseabɔ ho ɔpanyin a ɔwɔ pon no atifi no kyerɛ wo wɔn kɔmputa screen a ɛkenkan "ERROR: FILE FROZEN." Sɛ eyi ba a, mfiridwuma mu afiri anan yi mu biako ne nea odi fɔ:

Afiri 1: Wobuee "Security Freeze," nanso wowɔ "Credit Lock" a ɛyɛ adwuma (anaasɛ nea ɛne no bɔ abira) .¶

Dwumadibea abiɛsa no nyinaa de nneɛma abien a ɛsono emu biara koraa a ɛyɛ ade koro pɛpɛɛpɛ wɔ database no mu ma: - Security Freeze: Ɛyɛ afiri a wɔde tow a wontua hwee, a aban no ahyɛ ho mmara a Fair Credit Reporting Act (FCRA) ahyɛ no. - Credit Lock: Aguadi, app-based toggle switch a wɔde abɔ bosea-hwɛ asɔremma a wontua hwee anaasɛ wotua ho ka (Experian CreditWorks / CreditLock, TransUnion TrueIdentity, Equifax Lock & Alert). - The glitch: Sɛ wobue a myEquifax wɛbsaet no, ɛkyerɛ wo Security Freeze tebea (Unfrozen). Ɛnkum Lock & Alert lock a wode sii hɔ wɔ Equifax mobile app no ​​mu mfeɛ mmiɛnsa a atwam no **no ara. Nea ɛne no bɔ abira no, sɛ wodan Experian CreditLock wɔ app no ​​mu a, ɛmma mmara kwan so Security Freeze mfi hɔ. Hwɛ abien no nyinaa Freeze menu ne Lock menu a ɛwɔ bureau biara portal mu.

Afiri 2: Mortgage Lender’s Credit Reseller no Resan De Di nkogu a Wɔakora So¶

Wɔn a wɔde bosea ma ne wɔn a wɔtɔn kar no ntaa nkɔ Equifax, Experian, ne TransUnion nkyɛn tẽẽ. Mmom, wɔde obi a ɔto so abiɛsa Credit Reporting Reseller / Aggregator (te sɛ CoreLogic Credco, Factual Data, Birchwood, Xactus, anaa MeridianLink) di dwuma. - Bere a loan officer no klik "Pull Credit" wɔ 10:00 AM bere a wo fael no da so ara yɛ frozen no, reseller no generated a File Reference Number a mmuae a wɔahyɛ no nwini a ɛyɛ zero-score wom. - Afei wo thaw wo credit wɔ 10:10 AM, sɛ loan officer no klik "Re-issue / Refresh" kɛkɛ wɔ saa ara File Reference Number, nea ɔtɔn no server no san de fael a wɔahyɛ no nwini a wɔde asie 10:00 AM no gu mu kɛkɛ na ama wɔakora sika so wɔ bureau fees ho. - The fix: Ka kyerɛ wo loan officer: "Twɛn simma 10 a edi mũ wɔ me thaw confirmation akyi, na afei kyerɛ wo credit software no sɛ ɔnkra New Inquiry / Supplement Pull mfi bureau no hɔ sen sɛ wobɛsan akyerɛ reference number a ɛwɔ hɔ dedaw no."

Afiri 3: Wo Mfɛfo Borrower anaa Wo Hokafo Da so ara Wɔ Bureau BAAKO Frozen¶

Wɔ joint mortgage, joint auto loan, anaa joint apartment application so no, sɛ Borrower A thaws bureaus abiɛsa no nyinaa na Borrower B thaws Experian ne TransUnion nanso ne werɛ fi sɛ ɔbɛma Equifax thaw a, joint credit pull no nyinaa san de mfomso code a enni mũ/frozen ba. Hwɛ fael asia no nyinaa (adwumakuw 3 × akwammisafo 2) no mu mmiako mmiako.

Afiri 4: Bureau Freeze a Ɛto so 4 a Ahintaw (Innovis, ChexSystems, Kɔkɔbɔ a Wɔde Ma Mfiase, anaa NCTUE) .¶

• Adan a wɔatoto mu: Wɔn a wɔde bosea ma akɛse pii ne Fannie Mae/Freddie Mac nsisi-hwɛ nhyehyɛe ahorow twe boseabɔ ho amanneɛbɔ a ɛto so anan fi Innovis (innovis.com, . 1-866-712-4546) ansa na wɔawie awiei pɛɛ (bere a wɔreyɛ Undisclosed Debt Monitoring nhwehwɛmu ansa na wɔawie no).
• Bank accounts & Credit Unions: Sɛ worekɔka credit union bi ho akɔgye auto loan anaasɛ worebue bank account a, wɔtwe ChexSystems (chexsystems.com, . 1-800-887-7652).
• Cell phones & Utilities: Sɛ woretua sika ama iPhone/Android foforo wɔ carrier store anaasɛ woresiesie anyinam ahoɔden ama dan foforo a, nhyehyɛe no twe National Consumer Telecom & Utilities Exchange (NCTUE) (1-866-343-2821).

Afiri 5: Mpanyimfo A Wɔbɔ Wɔn Ho Ban Anaasɛ Wɔn a Wɔntumi Nyɛ Nwini (Mfe 16 anaa Ɔwɛmfo) .¶

Sɛ wode Protected Consumer Security Freeze too wo ba no credit file so bere a na ɔyɛ abofra ketewa (wɔn mfe 16 wɔ United States) na mprempren wadi mfe 18 na wɔrebisa wɔn sukuuni bosea a edi kan, dan a wɔbɛfa, anaa kar bosea a, mpanyimfo wɛb portal a wɔtaa de di dwuma (myEquifax, . Experian, . TransUnion) bɛtaa asiw wɔn kwan sɛ wɔnyɛ akontaabu efisɛ wɔn Social Security nɔma no da so ara wɔ frankaa sɛ fael ketewaa bi a wɔatoto mu. Sɛ wobɛpopa freeze ketewaa bi wɔ abofra no adi mfeɛ 16 anaa 18 akyi a, ɛsɛ sɛ ɔpanin kumaa (anaa ɔwofoɔ) no de aberanteɛ a wanyin (anaa ɔwofoɔ) no Awoɔ Krataa, Social Security Card, ne State Driver’s License no bi fa bureau no Protected Consumer Upload Portal so kɔ so anaasɛ bisa sɛ ɔhwɛfoɔ a ɔte aseɛ no nsakra mfi Minor Freeze kɔ Adult Account a ɛyɛ gyinapɛn so.

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Mpɔtam hɔ ntɛmpɛ nɔma ne credit freeze protocols¶

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Nsɛm a wɔtaa bisa¶

Sɛ mehwere krataa PIN a ɛwɔ digit 10 a Equifax, Experian, anaa TransUnion de maa me mfe bi a atwam ni bere a mede me credit too nwini mu no a, so makɔ so atwɛn sɛ wɔde mena mena?¶

Dabi, ɔman no mu nyinaa boseabɔ adwumayɛbea abiɛsa a ɛwɔ United States no nyinaa ayi krataa so PIN a ɛyɛ ahyɛde ma wɔn a wɔde Intanɛt di dwuma ne wɔn a wɔfrɛ wɔn wɔ telefon so a wɔde wɔn ankasa yɛ adwuma no afi hɔ. Wubetumi ayɛ anaa wobɛkɔ wo akontaabu a wontua hwee mu wɔ my.equifax.com, experian.com/freeze, ne service.transunion.com denam wo Social Security nɔma, da a wɔwoo wo, ne nsɛmmisa anan a wubetumi apaw pii a woanya afi wo boseabɔ abakɔsɛm mu (te sɛ wo boseabɔfo a wobɔ wo kar anaa dan ka a wotua no din) so, na afei woayi wo freeze no so bere tiaa bi wɔ nea ennu simma anum mu a wunhia wo PIN dedaw no da.

Bere tenten ahe na bere a magyae me boseabɔ wɔ Intanɛt so akyi no, nea ɔde bosea ma no, nea ɔtɔn kar, anaa ofie wura no betumi asan ayɛ me boseabɔ ho amanneɛbɔ?¶

Sɛnea aban mmara a ɛwɔ Fair Credit Reporting Act ase no, adwumayɛbea ahorow wɔ dɔnhwerew 1 de di intanɛt anaa telefon so abisade a ɛfa nsu a ɛyɛ hyew ho dwuma, nanso wɔ wiase ankasa mu no, database no yɛ foforo wɔ simma 2 kosi 10 mu. Nanso, ɛsɛ sɛ wotwɛn simma 10 kosi 15 a edi mũ ansa na woaka akyerɛ nea ɔde wo bosea no ma no sɛ ɔntwe wo bosea no bio, na ɛsɛ sɛ wokyerɛ boseabɔ sohwɛfo no sɛ ɔmfa nsɛmmisa foforo koraa mmra sen sɛ wobɛbɔ "Refresh" wɔ twe a entumi nyɛ yiye no so, efisɛ softwea a ɛto so abiɛsa a ɛtwetwe bosea no de mfomso mmuae a wɔahyɛ no nwini sie simma pii.

So ɛsɛ sɛ mepaw "Temporarily Lift Freeze" (Thaw) anaasɛ "Permanently Remove Freeze"?¶

Bere nyinaa paw "Temporarily Lift Freeze" (a wɔsan frɛ no scheduled date-range thaw) na hyehyɛ da a wobɛhyɛ aseɛ ama nnɛ ne da a wobɛwie no nnafua 3 kɔsi 7 daakye (anaasɛ bisa dan boseabɔfoɔ no berɛ a wɔn boseabɔ foforɔ a ɛtwa toɔ ansa na wɔawie no ba). Sɛ wode bere tiaa mu nsu a ɛyɛ nwini di dwuma a, sikakorabea no kɔmputa no san to wo boseabɔ fael no mu anadwo fã wɔ da a ɛbɛba awiei no, enti ɛho nhia sɛ wokae da sɛ wobɛsan akɔ mu na woasan de w’amanneɛbɔ ahorow ahyɛ nwini mu bere a woayɛ basaa wɔ kar a wobɛtɔ anaa ofie a wobɛto mu no akyi.

Dɛn nti na nea ɔkyerɛw me dan ho ka no hia sɛ miyi me bosea no fi nwini mu mpɛn ABIEN ansa na wɔawie da no ara pɛ?¶

Sɛ wobisa dan ka a, nea ɔde bosea no twe wo bosea no wɔ Da a edi kan no de pene wo bosea no so. Nanso, nnafua 3 kosi 5 ansa na wode wo nsa ahyɛ nkrataa a etwa to a wɔde bɛto mu ase ( mpɛn pii no Da 30 kosi Da 45), Fannie Mae, Freddie Mac, ne FHA/VA quality-control mmara hwehwɛ sɛ nea ɔde sika fɛm no yɛ "Undisclosed Debt Monitoring" anaa "Pre-Closing Credit Refresh" de hwɛ sɛ woankɔ abɔnten na woamfa $60,000 a wɔde gye sika anaasɛ max out credit cards bere a wɔ escrow mu. Sɛ wo bere tiaa mu nsu a ɛyɛ nwini no twaam wɔ Da a ɛto so 7 a, ma wo boseabɔ ho ɔpanyin no nhu sɛnea ɛbɛyɛ a wubetumi ayɛ nhyehyɛe sɛ wode nnɔnhwerew 48 nwini a ɛto so abien ansa na woagye krataa a etwa to no ho kwan.

So adwumakuw bi a wogye sika, sikakorabea a mewɔ sika a wɔde gye sika mprempren, anaa adwumawura bi betumi ahwɛ me sika a mede gye sika bere a wɔahyɛ no nwini no?¶

Wɔn a wɔde wɔn ka dedaw a wo ne wɔn wɔ akontaabu a wɔabue dedaw, wɔn a wogye bosea a wogyina obi a ɔde wo ka dedaw ananmu, aban adwumayɛbea ahorow a wodi asɛnnibea ahyɛde ahorow so, ne w’ankasa w’ankasa wo boseabɔ ho nhyehyɛe ahorow da so ara betumi akɔ wo fael no so bere a ahobammɔ a wɔde siw wo ho no reyɛ adwuma no. Nanso, wobesiw obiara a ɔde bosea ma foforo, nea ɔtɔn kar, nea ɔde bosea kaad ma, adwumakuw a ɛhwɛ nneɛma so, anaa ofie wura, ne adwumawura biara a ɔreyɛ boseabɔ ho nhwehwɛmu ansa na woayɛ adwuma no kwan koraa kosi sɛ wobɛyɛ nhyehyɛe sɛ wobɛma bere tiaa bi ayɛ nwini.

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Akwankyerɛ ahorow a ɛfa ho¶

• Sikakorabea akontaabu a wɔto mu mpofirim, ChexSystems a wɔde wɔn din hyɛɛ mu, ne sikakorabea a ɛto so abien
• Intanɛt so ntua ne nnipa a wowia wɔn ho nhwehwɛmu
• Tow a wɔsan de tua ho ka wɔ nnipa a wowiae ho nsisi, IRS IP PIN, ne atoro W-2/1099 nkrataa a wɔde kɔma nkurɔfo
• Foreclosure notice, dan ka ho abotare, ne adehwere a wɔbɛtew so
• Atoro rental listing scams ne dan hwɛ ahobammɔ

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Fibea ne aban akwankyerɛ¶

• Federal Trade Commission (FTC, United States): Credit Freezes ne Fraud Alerts: Sɛnea Wɔde Ahobammɔ Freezes Besi hɔ, Wɔma So Bere Tiaa bi, na Woyi Fi hɔ Wɔ Federal Mmara ase.
• Adetɔfoɔ Sikasɛm Ahobanbɔ Dwumadibea (CFPB, United States): Adetɔfoɔ Sikasɛm ho Amanneɛbɔ Mmara (15 U.S.C. § 1681c-1) Ɔman Nyinaa Ahobanbɔ a Wɔde Siesie Ahyɛdeɛ, Dɔnhwerew 1 Ɛlektrɔnik Nsuo Mmara, ne Adetɔfoɔ Anwiinwii Nkɔsoɔ Ho Nhyehyɛeɛ.
• Equifax, Experian, TransUnion, ChexSystems, ne Innovis Ɔmanfoɔ Mmoa a Wɔde Ma Adetɔfoɔ Nwoma: Intanɛtɛt so Ahobanbɔ Freeze Management, Nimdeɛ a Egyina Adi mu (KBA), ne Creditor Passcode Protocols a Wɔde Di Dwuma Baako.
• Fannie Mae (Atɔn ho Akwankyerɛ B3-5.2-01) ne Freddie Mac (Abusua Baako Adetɔnfo/Ɔsomfoɔ Akwankyerɛ): Ahwehwɛdeɛ a ɛfa boseabɔ ho amanneɛbɔ, Frozen Credit Bureau Underwriting Mmara, ne Ɛka a Wɔanda no adi a Wɔhwɛ so.
• Canada Sikasɛm mu Adetɔfoɔ Dwumadibea (FCAC), UK Amanneɛbɔ Soafoɔ Dwumadibea (ICO), ne Australia Amanneɛbɔ Soafoɔ Dwumadibea (OAIC): Amanaman Ntam Boa a Wɔde Ma Fael a Wɔde Siesie, Boa a Wɔbara, ne Nteɛsoɔ Gyinapɛn Ho Amanneɛbɔ.