Apply security freeze to each credit reporting agency.

As you can see by the note at the bottom, all reporting agencies will offer the same credit freeze by the end of the year.

You are better off paying for a security freeze it as opposed to the option of paying a credit reporting agency $10 per month to basically do the same thing including the opt out which you already did. Check out www.lifelock.com and get the details on what they do. It’s the same thing as a credit freeze and opt out which will cost you a total of $30 instead of $10 per month to maintain.

Order your credit report here:

http://www.innovis.com/pers_placeSecurityFreeze.html


From the Trade Commission Website:
If you live in one of the eleven states without a security freeze law (Alabama, Alaska, Arizona, Georgia, Idaho, Iowa, Michigan, Missouri, Ohio, South Carolina, and Virginia) or in a state with a security freeze law limited to identity theft victims only (Arkansas, Kansas, South Dakota and Mississippi), TransUnion, Equifax and Experian have announced you will have access to the security freeze.

Beginning October 15, 2007, TransUnion will offer residents in these states the security freeze for a fee of $10, or for no fee if you are an identity theft victim. Consumers will be able to temporarily lift their freeze with TransUnion by phone or mail. These requests may take up to three business days. For more information, please visit TransUnion's webpage on the security freeze, or call TransUnion's security freeze phoneline at 1-888-909-8872.

Beginning November 1, 2007, Experian announced they will extend the security freeze to all consumers for a fee of $10, or for no fee if you are an identity theft victim. Experian will allow consumers to temporarily lift the freeze by phone, mail or online.

Equifax has made an announcement that they will provide the freeze for all consumers, although details have not yet been released.