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September 27, 2017

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Security Freeze

A security freeze means that your credit file cannot be shared with potential creditors. A security freeze can help prevent identity theft since most businesses will not open credit accounts without checking a consumer's credit history first.

A freeze is not 100% fail-safe as some creditors can and will issue credit without pulling a credit report. Firms with whom consumers have an existing business relationship will be able to pull a report despite the freeze and a consumer's information may be released for the purpose of pre-screening.

The instructions for requesting a freeze can be found at all three major credit bureaus directly. In the State of Maine, there is no charge to request this.

Equifax
1-800-525-6285

Experian
888-397-3742

TransUnion
1-800-680-7289