![]() If you have a question but don’t want to go on-air, contact Clark’s Consumer Action Center for free money help. Please be sure to include your first, middle and last name, as well as your Social Security number, current address, date of birth and. To hear Clark’s full take on this question, listen to the segment:ĭo you have a question for Clark? Use this form to ask him! And remember that you can listen to the Clark Howard Podcast at any time here. Our customer service representatives are available Monday through Friday from 6:00 a.m. Want to learn more about how you can protect your credit? Read our Identity Theft Guide. If you haven’t frozen your credit, here’s how to do it with Equifax, TransUnion and Experian. “And I’d say if you freeze your credit with Equifax, TransUnion and Experian, you’re going to eliminate more than 95% of the potential of identity fraud and theft.” “You cannot prevent every eventuality and every possibility,” Clark says. There’s always the possibility that a crook could use your personal information to open a fraudulent account that gets approved by one of the smaller credit agencies, but Clark says you really shouldn’t worry about these agencies too much. Out of Sagestream, CoreLogic, LexisNexis and Innovis, Clark says that Innovis is “probably the one that sometimes will matter to a meaningful degree.” You can freeze your SageStream report for free and try applying again (this works for U.S. It would suck to take a hard pull inquiry and be denied for having one of the secondary bureaus frozen. Do these have any impact on credit reports and if so, should I freeze them if available?” Clark’s Take on Whether You Should Freeze Your Credit With the Smaller Credit BureausĬlark says: “You can go nuts freezing your identity everywhere.” I’m pretty sure there is a concerted internet effort to report SageStream to the CFPB for questionable practices. ago If they need the information from those bureaus to process the application, then they should be thawed. Kerry from Georgia asks: “I have my credit frozen with the three major agencies, but recently I heard about others: Innovis, Sagestream, CoreLogic and LexusNexus. I Have My Credit Frozen With the Big 3 Credit Bureaus. Welcome to Ask Clark, a column designed to answer your financial questions, by money expert Clark Howard. Is it true that if you put a security freeze on your credit with LexisNexis, Innovis, and Sagestream, it is easier for you to delete negatives on your.
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