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I got a call today from Best Buy that someone hacked my AT&T account and tried to buy cell phones. I fixed everything with AT&T and put a 90 day fraud alert on my credit reports.
While doing that, I found out that Equifax and TransUnion have tools where you can lock/unlock your credit for free. Create a log in and swipe to unlock access to credit reports when you need it.
Experian wants $19.99/mo to do this. Why is that? Am I safe with only 2 of 3 of these locks?
With Experian? How? I got it for free for Equifax and TransUnion. But wasn’t able to get a credit lock withExperian unless I commit to a $19.99/mo fee.
Just to be clear, you are just doing a "Lock" as opposed to a "Freeze" correct?
A credit Lock is just a product of the company. They can charge whatever they want or offer it for free in exchange for information they gleam about you bases on your locking and unlocking habits.
A Freeze is regulated by law. The amount they can charge is set by federal law. Additionally, states can set even lower rates. The freezing and unfreezing is also regulated with your habits being protected.
With Experian? How? I got it for free for Equifax and TransUnion. But wasn’t able to get a credit lock withExperian unless I commit to a $19.99/mo fee.
Please do tell.
Quote:
Originally Posted by Experian
The fee for placing a security freeze on a credit report is $10.83, including tax.
In my State (TN) I was charged 7 dollars per agency however to "thaw" the credit report it is free. I did it over 10 years ago so the fees might have changed.
I believe if a person is over 65 then it is free, if not, then there is a fee, all three were free for me, sadly we had to pay for all three for my wife who is much younger than me.
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