Freeze Credit Report

Ann K
Ann K used Ask the Experts™
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I freeze my credit report from 3 beaurues. Equifax, Transunion, Experian. I did that because some people knows my social and date of birth and I don't want they knows my new address. My question is what other agencies i can use to freeze my credit history?
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Top Expert 2016
Commented:
Experian, FICO, Equifax, TransUnion, Innovis, PRBC
https://en.wikipedia.org/wiki/Credit_bureau#United_States
Distinguished Expert 2018
Commented:
You've named the 3 major credit bureaus. You've basically covered yourself, because most places that do reporting report to at least one of those 3. FICO isn't a reporting agency, but rather the developer of a scoring method and credit analytics software. Banks and credit agencies utilize their innovations, but FICO isn't actually a holder of your credit data/score.

I would assume that you have fraud alerts set up at all 3 agencies as well.
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018
Commented:
I agree with the above that you have selected the main ones.

If someone is stalking or bothering you, you should contact the police.

Otherwise:

(a) lots of people will know your address (common identifier
(b) many people will know your birthdate (Facebook and like)
(c) it is against the law to misuse your social insurance number. Generally people should not have it and if they do, they cannot legally do much with it
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Distinguished Expert 2018
Commented:
If your concern is around getting prescreened items, then you need to go to the site to opt out of that (it lasts for 5 years: https://www.optoutprescreen.com/?rf=t However, as long as companies that do credit reporting have your updated address, they are going to send that in to the credit bureau.

Since your concern is solely around your actual address, then that is actually a US Postal Service issue. They have a database of names and addresses. They license that data to companies, who in turn sell it. So eventually, your address is going to get out there whether you like it or not.

Author

Commented:
What is the difference between credit freeze and fraud alert? Also after freezing from 4 beaurues Experian, , Equifax, TransUnion, Innovis can any one still find my new address? What is PRBC?
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018

Commented:
as noted above, credit companies are not the only place with your address, and you cannot keep it secret.

Fraud Alert arises if someone is trying to illegally access or use your information .  The freeze just blocks it from being used.

Author

Commented:
Fraud protection Is 20 dollars/month. For all credit beaurues I need atleast 100 bucks a month.
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018

Commented:
Unless you feel that someone is attacking you via the credit companies, I would not spend the money.

I have had credit reports following me around for 1/2 century and nothing has happened as a result.

Attacks by someone you may know or be genuinely afraid of should be reported to the police.

Author

Commented:
How someone knows my address beside the credit history?
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018

Commented:
As noted above, the post office knows and sells the information, and in addition. the yellow pages know and sells the information. There are now online databases of information as well.

Author

Commented:
Post offices are run under state government, why would they do that?
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018

Commented:
Mailing houses need mailing lists and as I noted, the government is only one source.

And most of us do not see our addresses as secret. Fire Departments require house numbers and street name signs to be clear.

Author

Commented:
Thank You.
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018

Commented:
You are welcome and I was happy to help.

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