2006-09-12 09:00:48 · 5 answers · asked by ray98001 1 in Business & Finance ➔ Credit
If you are in one of the few states that allows you to put a freeze on your credit record without being a victim of identity theft you only need to notifiy the major credit reporting agencies to freeze your record.
Currently, only residents of New Jersey, Louisiana, Texas, Vermont, Washington, Nevada, Connecticut, Illinois, Maine, North Carolina and Colorado can put a freeze on their credit reports at all, according to Bankrate.com. And residents of Texas, Vermont, Illinois and Washington limit this opportunity to those who have been the victim of identity theft or a security breach.
Contact both your state and federal representatives to have them push for your right to freeze your own credit record without having to be the victim of identity theft first. And don't let the feds push through the law they are considering that will kill your state-given right (in some states -- see above) to freeze your account unless you are a victim first.
2006-09-12 09:12:36 · answer #1 · answered by Bostonian In MO 7 · 1⤊ 0⤋
You can contact the credit bureaus and request a 'credit freeze' meaning creditors will not grant any additional credit unless you allow a 'thaw' of the information in your file.
Some states are beginning to allow this practice and it may even be free in your state. Call the credit reporting agencies to find out.
2006-09-12 09:05:45 · answer #2 · answered by markmywordz 5 · 1⤊ 0⤋
Rent doesn't usually appear on a credit report, because you aren't being lent anything. In the case of a mortgage, the bank/mortgage company has lent you the money, to buy your house...you then pay the bank back, as opposed to the seller directly. (This is why you can lose your house if you don't pay your mortagage) In the case of rent, you're in effect receiving a service, but the lessor hasn't lent you anything, thus no credit reporting...
2006-09-13 15:23:13 · answer #3 · answered by Jason 3 · 0⤊ 1⤋
I don't know but I am sure you can contact all three credit bureaus and have them put a note on your credit report.
2006-09-12 09:03:35 · answer #4 · answered by Michelle 4 · 0⤊ 1⤋
you call all the credit bureaus and put a fraud alert on your report and that will stop those types of issues.
2006-09-12 09:03:33 · answer #5 · answered by bella_4624_19 4 · 0⤊ 1⤋