表头冻结列冻结_信用冻结将很快免费，可帮助您阻止身份盗用
表头冻结列冻结
Freezing your credit can stop identity thieves from opening an account in your name, but until recently it cost money to do so in some US states. That’s about to change.
冻结信用可以阻止身份盗用者以您的名义开设帐户，但是直到最近，在美国某些州，这样做还是要花钱的。 那将要改变。
Here’s Bryan Krebs, writing for Krebs on Security:
Currently, many states allow the big three bureaus—Equifax, Experian and TransUnion—to charge a fee for placing or lifting a security freeze. But thanks to a federal law enacted earlier this year, after Sept. 21, 2018 it will be free to freeze and unfreeze your credit file and those of your children or dependents throughout the United States.
目前，许多州都允许三大局(Equifax，Experian和TransUnion)收取放置或取消安全冻结的费用。 但是由于今年早些时候颁布的联邦法律，2018年9月21日之后，它将可以自由冻结和解冻您的信用档案以及整个美国的孩子或家属的信用档案。
Freezing your credit means that nobody can pull a credit report, which stops identity thieves from taking out loans or opening credit cards in your name. But a credit freeze also stops you from doing the same thing, so you’re not going to want your credit constantly frozen. Switching back and forth between frozen and unfrozen used to mean paying a lot of $10 fees, but as of September 21 that’s no longer the case.
冻结您的信用意味着没有人可以提取信用报告，这可以阻止身份盗用者借贷或以您的名义打开信用卡。 但是信用冻结也会阻止您执行相同的操作，因此您不会希望信用不断冻结。 在冻结和未冻结之间来回切换通常意味着要支付10美元的费用，但是到9月21日，情况已不再如此。
The fee going away makes freezing your credit just a little easier, which will help victims of identity theft and data breaches. The process still means heading to the website of all three major credit agencies and applying for a freeze or calling the agencies, which is annoying. Our guide to stopping identity thieves from opening accounts in your name outlines how to do this, if you’re curious.
费用的取消使冻结信用额度变得容易一些，这将帮助身份盗用和数据泄露的受害者。 这个过程仍然意味着前往所有三个主要信贷机构的网站，并申请冻结或致电这些机构，这很烦人。 我们的阻止身份盗用者以您的名字开设帐户的指南概述了如何执行此操作(如果您感到好奇的话)。
This change doesn’t make the process faster or simpler, but it does remove the fees. That’s progress.
此更改不会使过程更快或更简单，但是确实可以省去费用。 那是进步。
Photo credit: Infomages/Shutterstock.com
图片来源： Infomages / Shutterstock.com
翻译自: https://www.howtogeek.com/fyi/credit-freezes-will-be-free-soon-helping-you-stop-identity-thieves/
表头冻结列冻结