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Old 10-05-2018, 09:06 AM
 
414 posts, read 184,815 times
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Did anybody here try that?
Is that a good move? Any complications, associated with credit freeze?
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Old 10-05-2018, 10:01 AM
 
Location: Florida
4,312 posts, read 3,645,981 times
Reputation: 4013
Freezing is a good idea but it can be inconvenient when you need a service that checks your credit. I would freeze.
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Old 10-05-2018, 10:02 AM
 
134 posts, read 206,743 times
Reputation: 81
Default Credit Freeze

Another credit reporting agency has had a security problem....EXPERIAN
A flaw in Experian’s computer system exposed users’ PINs — personal identification numbers — for credit freezes, to whoever put in “none of the above” as the answer to security questions.
Unbelievable, to say the least.
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Old 10-05-2018, 12:10 PM
 
82 posts, read 39,610 times
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There's legislation that passed that now has the freezing/unfreezing of reports as a free service each Credit Reporting Agency offers.

FWIW, I have frozen since the Equifax breach and had to temporarily unfreeze twice. It all worked flawlessly.
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Old 10-05-2018, 01:33 PM
 
Location: The South
5,149 posts, read 3,592,881 times
Reputation: 7730
Quote:
Originally Posted by Maple47 View Post
Did anybody here try that?
Is that a good move? Any complications, associated with credit freeze?
I have had my credit frozen for three years. Bought one new car and had to unfreeze.. Simple toll free call ,enter password , unfreeze for one day. Completely automated. Not a problem.
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Old 10-08-2018, 09:57 AM
 
Location: Austin, TX
127 posts, read 290,541 times
Reputation: 71
I froze my credit files years ago because of ongoing identity theft. I've had to thaw it for two mortgages and a car loan, and it always went smoothly.

If you do it, be sure it's a freeze and not a "lock" or a "fraud alert". If you have been planning to monitor your credit using Credit Karma, be sure to set that up prior to doing the freeze. And when you're setting up your credit freeze, be prepared to wade through a bunch of distractions on the credit bureau websites as they try to sell you stuff and convince you not to do a freeze.
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Old 10-14-2018, 03:04 PM
 
Location: Ontario, NY
2,701 posts, read 6,191,023 times
Reputation: 2735
I placed a credit freeze in 2013 when I was looking for work, so many employer applications were asking for my SS#. Since then I purchased a car, got a new apartment, and had two background checks, it's just a matter of knowing which credit agency they will use to run the credit check with, paying a nominal fee of $5 and how long you want to unfreeze your credit for. I usually unfreeze it for two weeks, that's more than enough time when shopping for a car, looking for an apartment or applying for a mortgage for all the paperwork to clear. Just don't lose your password / Pin to unfreeze your accounts.



I believe it's far more effective than a credit monitoring agency, and cheaper. A credit monitoring agency will tell you, You been robbed AFTER it has already happened, a credit freeze will prevent you for getting robbed in the first place.
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Old 10-15-2018, 09:07 AM
 
82 posts, read 39,610 times
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Quote:
Originally Posted by TechGromit View Post
... paying a nominal fee of $5 ...
It is now free across all CRAs. There is no longer a fee.
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Old 10-21-2018, 04:04 PM
 
Location: Valley of the Sun
1,348 posts, read 1,099,498 times
Reputation: 1777
Quote:
Originally Posted by korrosive View Post
It is now free across all CRAs. There is no longer a fee.
I did it earlier this year and it was $5 or $7 at the main 3.

It's free now at all the major bureaus?
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Old 10-21-2018, 04:14 PM
 
Location: Eureka CA
8,140 posts, read 11,038,023 times
Reputation: 12381
I've had a freeze for 20 years and i can't think of a downside.
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