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Credit Freeze

Old 10-25-2019, 05:38 PM
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duh....how does one go about freezing their credit accounts?
Old 10-25-2019, 05:40 PM
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Originally Posted by bamaboy473 View Post
duh....how does one go about freezing their credit accounts?
https://www.nerdwallet.com/blog/fina...eezing-credit/
Old 10-25-2019, 05:47 PM
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Froze mine about 10 years ago, maybe longer. FWIW, Discover Card offers free monthly credit score AND inquiries made. Their app is pretty good too so monitoring is easy. I think they use Transunion.
Old 10-25-2019, 05:51 PM
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Default Credit freeze

I think I have all three of my credit card accounts frozen. I will check it out next week. In the mean time the credit card companies need to get together a standardize their requirements to freeze an account and also simplify the process for freezing an account. They need to make their information and e-mail address clearly available on the internet as well as their physical address. I do not know why but those people are just not fun to deal with in almost any possible situation.
Old 10-25-2019, 07:40 PM
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My credit has been locked for 5 years.
Old 10-26-2019, 09:08 AM
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Very interesting. I had no idea you could freeze your credit reports. Is there any negative? Can you continue to grow your score while they are frozen?
Old 10-26-2019, 09:09 AM
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I am frozen on all of the credit bureaus. It is a pain if I need to apply for a loan; however, it is much less of a pain than identity theft.

Freeze em folks.
Old 10-26-2019, 09:32 AM
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Originally Posted by 76 Mako 23 View Post
Very interesting. I had no idea you could freeze your credit reports. Is there any negative? Can you continue to grow your score while they are frozen?
Yes, your score is unchanged. I'm not exactly sure what the mechanism is on the back end - because you can still monitor your score etc, but if anyone tries to open a new credit line, the process is blocked.

I'm a little fuzzy on that because I've tried to apply for things in the past and forgotten to unlock and the answer was basically "we didn't get a response back for you" - so maybe it blocks hard pulls but not soft pulls? Or maybe it is literally when they go to establish a new line of credit.
Old 10-26-2019, 09:53 AM
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Originally Posted by chrispnet View Post
Nope. There is an unlocking charge, but that's about it.
Most guys just aren't preparing themselves because this stuff happens to "someone else".
It depends on where you are at. Some states allow locking/unlocking without cost nor a previous credit ID theft. Early on, at least some states didn't allow a free lock without first getting hacked. !! The only problem I have is that I forget they are locked and get an initial denial when opening some non-credit accounts. For some reason they want to check it even though I'm not applying for credit. Also, as mentioned before - registering at Social Security online for a monitoring account ended with a denial, but the reason was not spelled out that they needed to check my ID at one of the credit bureaus.

Something else I did not realize - Insurance companies had access to our report even though it was locked up. That is what I found out last time we went with a new insurance company and before signing any documents of theirs.

Good news, after paying off another loan, they said my score went up. It's now at 249!
Old 10-26-2019, 04:26 PM
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I've had my identity stolen twice, fraudulent cell phones purchased, loans attempted to be taken out, credit cards. All of which was corrected and made right, but what a PITA it was. My wife and I have froze our credit (both of us excellent credit), we have a reference number that when we call Experian, we can have it unlocked at any time. Since then, no more problems.
Old 10-26-2019, 04:30 PM
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Originally Posted by HookMeUpII View Post
Backstory:

Yesterday I get an email confirm that someone sent money to a recipient in Morocco from an old online Western Union account I had. I did some digging. The transaction did occur (confirmed with WU). I immediately reported it. I confirmed the card used to send the money wasn't any that I owned. I called local PD and filed a report. Police said good on me for reporting it because it looks like someone used a stolen debit card to send the money using my account. So in summary, it looks like someone bruteforced my old WU account online, input a stolen debit card, and sent the money. I checked all three credit reports, no new accounts were opened, no suspicious activity.

I went ahead and took the next step of freezing my other three credit scores.

In my research, this doesn't hurt your credit (which mine is very good @ 800+) and doesn't hurt anything you have open.

I rarely ever apply for new credit. I just re-financed my mortgage. I also just leased my new truck. The next time I'll need my credit run is in 2+ years when my fiancee's lease is up.

Big question I have: Why don't I just leave it frozen? It looks like I can un-freeze it pretty easy if I need to apply for new credit.
As long as you remember the pin to thaw, there's no reason to unfreeze. Freezing your credit makes it very difficult for criminals.
If you need to apply for a car loan, ask them which agency they use, then unfreeze just that one.

Old 10-26-2019, 04:59 PM
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Originally Posted by jobowker;13054770[u
]As long as you remember the pin to thaw, there's no reason to unfreeze.[/u] Freezing your credit makes it very difficult for criminals.
If you need to apply for a car loan, ask them which agency they use, then unfreeze just that one.
can you explain what you meant by that 1st sentence?

also
I understand that you insurance costs also is tied in to you credit reports.
So reading this thread, when you freeze you credit reports the insurance people can get the info they need without the thaw?
Old 10-26-2019, 05:16 PM
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Originally Posted by 99yam40 View Post
can you explain what you meant by that 1st sentence?

also
I understand that you insurance costs also is tied in to you credit reports.
So reading this thread, when you freeze you credit reports the insurance people can get the info they need without the thaw?
Yes
Old 10-26-2019, 05:18 PM
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Mine has been frozen for a few years. The only inconvenience is if you apply for credit, you have to unfreeze it.

No issues whatsoever otherwise and I plan on keeping it frozen.
Old 10-26-2019, 05:20 PM
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Originally Posted by yarcraft91 View Post
Yes
thanks, I always wondered about that.

so what did you mean in that other post
"As long as you remember the pin to thaw, there's no reason to unfreeze"

maybe you meant to write there is no reason not to freeze?
Old 10-26-2019, 05:27 PM
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Originally Posted by 99yam40 View Post
...
also
I understand that you insurance costs also is tied in to you credit reports.
So reading this thread, when you freeze you credit reports the insurance people can get the info they need without the thaw?
They did in my case. As a test, I provided the prospective insurance companies with only the coverage currently held, but did not lift the security freeze. I was hoping to get a call from the insurance company about it. They did not call and we had a quote. Then I saw that the companies we asked for quotes were listed in the Account Review Inquires section of the credit report with a date prior to us signing any documents (in case a signature gave them the authority to bypass the freeze).

A note in the credit report also mentions that insurance companies can see other insurance company inquires, too. Bullshit.

I think cops can access the credit report without being documented that they took a peek.
Old 10-26-2019, 10:52 PM
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Thank you for posting the link! I know it was a duh to you but it helped me out. TY
Old 10-27-2019, 01:32 AM
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Originally Posted by HookMeUpII View Post
Backstory:

Yesterday I get an email confirm that someone sent money to a recipient in Morocco from an old online Western Union account I had. I did some digging. The transaction did occur (confirmed with WU). I immediately reported it. I confirmed the card used to send the money wasn't any that I owned. I called local PD and filed a report. Police said good on me for reporting it because it looks like someone used a stolen debit card to send the money using my account. So in summary, it looks like someone bruteforced my old WU account online, input a stolen debit card, and sent the money. I checked all three credit reports, no new accounts were opened, no suspicious activity.

I went ahead and took the next step of freezing my other three credit scores.

In my research, this doesn't hurt your credit (which mine is very good @ 800+) and doesn't hurt anything you have open.

I rarely ever apply for new credit. I just re-financed my mortgage. I also just leased my new truck. The next time I'll need my credit run is in 2+ years when my fiancee's lease is up.

Big question I have: Why don't I just leave it frozen? It looks like I can un-freeze it pretty easy if I need to apply for new credit.
SOP is to freeze your reports and only temp lift when you are applying for credit

its free, its easy
Old 10-27-2019, 04:57 AM
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Thanks. Sent it to both sons, too, since they go to a whole lot more restaurants and clubs where ID could be swiped.
Old 10-27-2019, 05:11 AM
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Had my ID and SS# stolen several years back, I keep a freeze on mine, I unlock if I need it and relock it as soon as they pull the info needed.

2 mouse clicks!!!

JOhn

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