Smart Consumer Series – FAQs on Credit Freezes

The Federal Trade Commission has posted a New Credit Law FAQ of the most common questions they are receiving about the new law.

Questions include:

  • Can I still use my credit card when a credit freeze is in place?
  • I already had a fraud alert in place when the law took effect on September 21, 2018. Do I need to request a new fraud alert if I want a year-long alert?
  • How is placing a fraud alert different from placing a credit freeze?
  • Where can I find the contact information for Equifax, Experian and TransUnion?


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