![]() ![]() To lock your credit, you must enroll in a program with the three major credit bureaus - Equifax, Experian, and TransUnion. You can conveniently toggle the credit lock switch on/off as desired from the Aura mobile app. You can lock and unlock credit files online or via Aura's mobile app using biometric identity verification techniques like Face ID. Credit locks are faster and more convenient than freezes.Here’s how a credit lock is different from a credit freeze: Instead, they are governed by a contract between you and the credit reporting agency. What Is a Credit Lock? When Should You Use It?Ī credit lock prevents creditors and lenders from accessing your credit history and, in theory, opening a new credit account in your name.Ĭredit locks are not protected by law. To protect your bank account, credit card, and other financial accounts, consider a credit monitoring service. ![]() It can only stop anyone from opening new accounts or lines of credit in your name. Remember: Neither a lock or freeze can protect your current accounts from scammers. Follow this guide on what to do if your identity is stolen to secure yourself from the worst consequences of identity theft. If you think you’ve been the victim of identity theft, you need to do more than lock or freeze your credit.
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