Forum Discussion
Equifax Info
Just wanted to publicly thank Liz for a very thoughtful and helpful post on the Equifax breach. I normally don't bat an eye at these kinds of things since the OPM (GSA, or whoever) was breached by t...
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???
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.
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.
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/
