Paco, totally agree with your idea of freezing ones credit report. My wife and I made that decision many many years ago. Very easy and painless. I always like to hear a company I am doing business with say that I need to unlock my credit report(s). It gives me peace of mind.
Just recently when the large Social Security breach hit I was talking to a financial expert who mentioned since I lock my credit reports it was unlikely that they could breach our financials.
Kevin, thanks. This is another good report confirming what my LinkedIn connections told me. I do think that there is a lot of hesitancy from consumers, thinking the freeze is difficult to implement. I haven't heard one bad report about the experience.
Excellent article! I did the freeze years ago after getting one of those letters. Then I kind of forgot about it. Earlier this year we needed to replace the HVAC in our home. While doing the paperwork for our loan the person was getting rejection notices. My fico score is in the 800s so I knew it was an error. Then I remembered the freeze. I logged on to the appropriate site, unfroze my account and the rest of the process was smooth. Then I logged in again and refroze it, no problem.
Experien is especially tricky at trying to sell you access to more than you need. It almost looks like you cannot login unless you buy something. But the bypass is at the bottom of the page in small print.
I only just learned of ChexSystems, from LifeLock, and froze it too. Thank you for those other links!
Patti, thank you. This is another confirmation that the process of freezing and thawing really is not painful.
Paco, totally agree with your idea of freezing ones credit report. My wife and I made that decision many many years ago. Very easy and painless. I always like to hear a company I am doing business with say that I need to unlock my credit report(s). It gives me peace of mind.
Just recently when the large Social Security breach hit I was talking to a financial expert who mentioned since I lock my credit reports it was unlikely that they could breach our financials.
Kevin, thanks. This is another good report confirming what my LinkedIn connections told me. I do think that there is a lot of hesitancy from consumers, thinking the freeze is difficult to implement. I haven't heard one bad report about the experience.
Excellent article! I did the freeze years ago after getting one of those letters. Then I kind of forgot about it. Earlier this year we needed to replace the HVAC in our home. While doing the paperwork for our loan the person was getting rejection notices. My fico score is in the 800s so I knew it was an error. Then I remembered the freeze. I logged on to the appropriate site, unfroze my account and the rest of the process was smooth. Then I logged in again and refroze it, no problem.
Experien is especially tricky at trying to sell you access to more than you need. It almost looks like you cannot login unless you buy something. But the bypass is at the bottom of the page in small print.
I only just learned of ChexSystems, from LifeLock, and froze it too. Thank you for those other links!