When should I use a credit freeze?

A credit freeze is a tool that is often used to help protect yourself from identity theft. It is a way of controlling who can and cannot check your credit report. It is important to use a credit freeze if you suspect that your personal information may be at risk. Additionally, if you have been a victim of identity theft, you should definitely use a credit freeze. If you are in Virginia, you are also covered by the Credit Card Dispute Resolution Law. This law states that if a consumer disputes an inaccurate charge on a credit card, the consumer should contact the issuer of the card and make a dispute. The issuer then has to investigate the dispute within a certain amount of time. If the dispute is found to be valid, the issuer must then take steps to credit the consumer’s account for any overpayment, fees, or charges caused by the inaccurate charge. In summary, you should use a credit freeze if you suspect that your personal information is at risk or if you have been a victim of identity theft. Additionally, the Credit Card Dispute Resolution Law in Virginia gives consumers the right to dispute incorrect charges on their credit cards. This law helps ensure that consumers are not taken advantage of by credit card issuers.

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When should I use a credit freeze?

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