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Freeze it and opt-out!

November 18, 2022 by Kevin Martini

One of the most important assets often overlooked and not properly protected by many is their credit score.  The single most important thing you can do to protect your credit and not fall victim to identity theft is a credit freeze …the second most important thing to do is to opt-out of pre-screening. 

…there is no guarantees that a freeze will protect you 100% of the time.  One may still steal your non public private information or maybe one may hack into one of your existing open accounts  however it is my opinion, the credit freeze combined with opting out of unwanted credit solicitation is the most reliable defense you have in your arsenal to prevent identity fraud.

kevin martini best raleigh mortgage broker

Kevin Martini

Certified Mortgage Advisor & Raleigh Mortgage Broker

Martini Mortgage Podcast | Episode 167 | Freeze it and opt-out

Resources discussed in episode 167 of the Martini Mortgage Podcast

OptOutPreScreen.com

A free a centralized service which is a joint venture between Equifax Information Services, LLC, Experian Information Solutions, Inc., Innovis Data Solutions, Inc., and TransUnion, LLC  (a.k.a. Consumer Credit Reporting Companies) to accept and process requests from consumers to “Opt-Out” of firm offers of credit.

WEBSITE: www.OptOutPreScreen.com

PHONE: 888-5-OPT-OUT (888-567-8688)

How to Freeze YOUR Credit

The process to freeze your credit is free but the benefits are priceless. The fastest way is online however you can also request a credit freeze by phone or mail. Below is the contact information of each of the credit repositories.

Experian 

Experian Credit Freeze Pagehttps://www.experian.com/freeze/center.html
Experian Phone Number 888.397.3742
Experian Mailing Address Experian Security Freeze
P.O. Box 9554
Allen, TX 75013

Equifax

Equifax Credit Freeze Pagehttps://www.equifax.com/personal/credit-report-services/credit-freeze/
Equifax Phone Number 888.298.0045
Equifax Mailing Address Equifax Information Services 
P.O. Box 105788
Atlanta, GA 30348

TransUnion

TransUnion Credit Freeze Pagehttps://www.transunion.com/credit-freeze
TransUnion Phone Number 888.909.8872
TransUnion Mailing Address TransUnion
P.O. Box 160
Woodlyn, PA 19094

Filed Under: Credit, Credit Freeze, Kevin Martini, Logan Martini, Opt-Put Pre-Screen, Raleigh Tagged With: Credit, Kevin Martini, Mortgage Podcast, North Carolina, Opt-Out Pre-Screen, Raleigh, Raleigh Mortgage Broker, Raleigh Mortgage Lender

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