Forum Discussion
Equifax Info
I froze my credit at Equifax last week, but, stupidly, I didn't do the same with the other two until yesterday. Luckily, at least in my state, doing so was free for all three, and easy to do so online. Don't lose your PIN numbers!!! :p
Not that the nefarious ones don't still have my info, but at least they can't open any accounts with it while the three credit agencies have a freeze on my credit.
This is no doubt going to be one of those breeches that hurts much more later than sooner, and at a time when people again become complacent. Hackers can be VERY patient.
I froze my credit the last time there was a big breach -- something like 2 or so years ago. It was free at the time. But normally it's not too much anyway -- maybe $10 or so.
I wonder what happens if one loses the pin???
- GabeU8 years agoDistinguished Professor IV
maratsade wrote:I froze my credit the last time there was a big breach -- something like 2 or so years ago. It was free at the time. But normally it's not too much anyway -- maybe $10 or so.
I wonder what happens if one loses the pin???
I know that if I want to temporarily lift the freeze it there's a fee with each one, but it ranges from $5 to $10, so it's not bad. To permanently lift the freeze is free, but there's got to be a limit to this or people would just unfreeze and then freeze over and over instead of temporarily unfreezing and paying for it.
I bet they make you jump through some extensive, annoying hoops to prove who you are if you forget or lose your pin number. It's probably just more of a pain than anything else. I mean, there would have to be some way to get back control of your freeze.
- maratsade8 years agoDistinguished Professor IV
I imagine the best way would be to phone them and answer those questions they ask to prove you are who you say you are. But yes, lots of hoops indeed. I imagine criminals must know of a few more too, so I have to wonder how good a freeze actually is.
- Liz8 years agoModerator
I could've sworn I read somewhere that in this unique case, credit freezing would be free. I don't recall the conditons... I'll have to look into that.
Edit:
Here we go, Equifax offering free credit freezes until end of Jan:
https://www.engadget.com/2017/09/28/equifax-free-lifetime-credit-lock-service/
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