[GNC] gnucash-user Digest, Vol 240, Issue 44

[Kalpesh Patel]

Just like other three major credit bureaus, ChexSystems does NOT charge for
lifting security freezes on temporary basis as of this writing. Not able to
charge fee for security freeze I believe is part of the US law. Be careful
though as these bureaus also tout similar but very different beast creation
of their own called credit lock, which does not have the backing of US laws
or its regulations as does the security freeze. 

If you plan to place a security freeze on three main credit bureaus in the
US than recommendation is to extend to Innovis
(https://www.innovis.com/personal/securityFreeze) as part of that security
regime. They also do not charge for lifting security freeze on temporary
basis.

This write up from Consumer Financial Protection Bureau
(https://files.consumerfinance.gov/f/documents/cfpb_consumer-reporting-compa
nies-list.pdf) has a comprehensive list and links for such needs if you want
to explore and become educated in this realm. 

------------------------------

Message: 4
Date: Sun, 19 Mar 2023 11:01:23 -0700
From: "Stan Brown (using GC 2.6.19)" <stan+gnucash at fastmail.fm>
To: gnucash-user at gnucash.org
Subject: Re: [GNC] Help with downloading transactions.
Message-ID: <91124db6-3212-5319-092f-7351f91b65bb at fastmail.fm>
Content-Type: text/plain; charset=UTF-8


On 2023-03-19 08:26, Kalpesh Patel wrote:
> In the US I highly recommend that you look into placing security 
> freeze on your credit files and at ChexSystems at minimum, which now 
> is free for everyone unlike in the past where you were charged fee for it.

Excellent advice. (Thanks for mentioning ChexSystems; I had not thought to
freeze my record there too.)

Not only is the freeze free, but temporarily lifting it, when you yourself
are actually applying for a mortgage or other credit somewhere, is also
free. (At least that's true for credit bureaus; I don't know if ChexSystems
operates under the same rules.)

The bad news is that you have to do it at all of the credit bureaus; one
will not communicate news of a freeze to the others.

To save you some searching, here are the URLs:

<https://www.equifax.com/personal/credit-report-services/>

<https://www.experian.com/freeze/center.html>

<https://www.transunion.com/credit-freeze>

<https://www.chexsystems.com/security-freeze/place-freeze>

Stan Brown
Tehachapi, CA, USA
https://BrownMath.com


------------------------------