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If you have been thinking about a credit freeze, you probably should know that the process is designed so that a creditor cannot see your credit report unless you specifically allow it. This process blocks any potential creditors from viewing or pulling your file, which makes it much more difficult for an identity thief to apply for new credit using your name or information. For links to freeze your credit at the 3 major bureaus go to How to Freeze My Credit. However, there have been reports of people complaining of having accounts opened in their name while having credit freezes. So, if you already have a credit freeze at Experian, Trans Union, and Equifax, you also might want to consider freezing at the following companies, too:

Innovis Credit Freeze

Innovis is the 4^th credit bureau you need to freeze with. The process is similar to the big three and its free. Go here to freeze your Innovis Credit Freeze.

National Consumer Telecommunications and Utilities Exchange or NCTUE

One place you should contact to freeze your credit through is the National Consumer Telecommunications and Utilities Exchange, or NCTUE. Many mobile phone companies, for instance, get credit inquiries done through this organization, so hackers can still open mobile phone accounts in your name, even if your credit is locked down elsewhere via the 3 major bureaus.

In general, only mobile phone companies use NCTUE, but there are other companies, like water, power, and cable companies that also use it. You can contact NCTUE to freeze your credit by calling them and giving them your Social Security number. You will also have to verify a few other details, but the system is automated, so it’s very easy. If the system can verify your identity, your credit report through this organization will be frozen. You can also get your NCTUE credit report and risk score by calling their 800-number 1-866-349-5355 or try to do it online here NCTUE Freeze but some say this links form doesn’t work well.

ChexSystems

You should also place a security alert with ChexSystems. This is a system that is used by banks to verify the worthiness of customers who are requesting new savings and checking accounts. When you request a freeze through this organization, it is only applied to your ChexSystems consumer report. If you want to freeze your credit at other companies, you must do it directly through them. For ChexSystems, you can do it here: ChexSystems Security Freeze.

Opt-Out Prescreen

You can additionally opt out of any pre-approved credit offers by calling 1-888-5-OPT-OUT or you can go online and visit the website Optoutprescreen.com.

myE-Verify Self-Lock via the Department of Homeland Security

The fourth organization you should freeze your credit with is called Self Lockvia the Department of Homeland Security. This freeze helps to protect you from any employment-related fraud. When you lock your Social Security number through this tool, it will stop anyone from using your Social Security number to get a job, which is another scam. If a Social Security number that has been locked is entered into the system, it will result in a mismatch, which will flag the number as fake. It’s easy to lock and unlock your identity through Self Lock, and each time you do it, it remains locked for a year. Once that year is over, you can choose to renew the lock, too. You can learn more online at the Self-Lock Freeze.

Social Security Administration

Finally, if you want to prevent any type of Social Security fraud, you should set up an account at the Social Security Administration. There are a number of Social Security scams designed to siphon your benefits or sensitive information. Your telephone may ring followed by and automated message saying your Social Security number has been “suspended” because of some suspicious activity or be threatened with arrest if you don’t call the telephone number provided in the automated message. Simply by setting up the account you can prevent someone else from setting it up as you and posting as you. Also you can check in with then SSA should you received any calls, emails or mail to determine the communications legitimacy. You can do it online, Social Security Administration Set-up.

Here’s your Freeze to-do checklist.

1. NCTUE Freeze
2. ChexSystems Security Freeze.
3. com.
4. Self-Lock Freeze.
5. Social Security Administration Set-up
6. How to Freeze My Credit.
7. Innovis Credit Freeze.

Robert Siciliano personal security and identity theft expert and speaker is the author of Identity Theft Privacy: Security Protection and Fraud Prevention: Your Guide to Protecting Yourself from Identity Theft and Computer Fraud. See him knock’em dead in this Security Awareness Training video.