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Started By
Message
Everyone freeze your credit
Posted on 9/5/24 at 9:55 pm
Posted on 9/5/24 at 9:55 pm
Simple thing to do and if needed it can be thawed or unfrozen in less than an hour. Unless you’re taking out a new line of credit there’s no reason for it not to be frozen. Especially with all the hacking going on this is the best security against it
10
Posted on 9/5/24 at 10:03 pm to tigerbacon
How does one do that?
Posted on 9/5/24 at 10:34 pm to jacquespene8
Yep, it's very simple to do and really everyone should. Just have to remember to thaw it for a new app. I've forgotten a couple times but you just call the bank after you unfreeze it.
You need to create free accounts with the 3 agencies and then freeze. It's free.
You need to create free accounts with the 3 agencies and then freeze. It's free.
Posted on 9/5/24 at 10:43 pm to tigerbacon
Actually, the best thing is to use a password vault, so you're not sharing passwords between critical sites, so you're using complex passwords, too. Next, turn on MFA.
Posted on 9/6/24 at 8:18 am to jacquespene8
quote:
How does one do that?
Make an account with Experian. There is an area to freeze your credit with one button. They have a free version to do this and a paid version. Don't fall for the paid version you can do it for free.
Posted on 9/6/24 at 8:35 am to LoneStar23
You have to do all 3 - Equifax, Transunion and Experian.
I did all of mine recently after I got an alert about my SSN being found on the dark web.
I did all of mine recently after I got an alert about my SSN being found on the dark web.
This post was edited on 9/6/24 at 8:37 am
Posted on 9/6/24 at 9:00 am to tigerbacon
And definitely freeze it after doing mortgage applications or buying a car. Idk who the shady arse people are that get access to your info during those processes, but we’ve had some type of attempted credit use every time
Posted on 9/6/24 at 9:26 am to jacquespene8
must go to each of the 3 credit bureaus, make an account, and place a freeze. its free
Posted on 9/6/24 at 9:31 am to fallguy_1978
quote:
I did all of mine recently after I got an alert about my SSN being found on the dark web.
I told you to stick to regular porn.
Posted on 9/6/24 at 9:40 am to LemmyLives
I have been on the fence with password vaults. I worked in IT for many years, and believe every computer in existence is hackable. Currently, keep my passwords on paper. A zero risk approach does not exist.
Posted on 9/6/24 at 11:22 am to tigerbacon
If someone wants to steal my identity they can have it
No take backs
No take backs
Posted on 9/6/24 at 12:12 pm to el Gaucho
quote:
If someone wants to steal my identity they can have it
Get denied for a credit card in your name and get put in the FEMA camp? No thanks
Posted on 9/6/24 at 12:34 pm to tigerbacon
You can thaw it at anytime in a matter of seconds. No reason to not have everything frozen.
Posted on 9/6/24 at 1:24 pm to fallguy_1978
quote:
You have to do all 3 - Equifax, Transunion and Experian.
A bit time-consuming but worth it. I froze mine after AT&T told be my info was part of the hack last spring.
Posted on 9/6/24 at 1:43 pm to bigjoe1
quote:
A bit time-consuming but worth it. I froze mine after AT&T told be my info was part of the hack last spring.
I've been a part of so many data breaches I've lost count, but this most recent one with National Public Data was almost the entire country, and not too long after that I got some alerts about my SSN being exposed. I decided to freeze everything at that point.
Posted on 9/6/24 at 1:50 pm to fallguy_1978
Everyone should do this. Even on your kids numbers.
Posted on 9/6/24 at 1:56 pm to tigerbacon
I had signed onto all 3 credit agencies a couple of years ago, with frozen account status. But didn’t stop unauthorized opening of new accounts (BMO Bank, Chime) with stolen identity over the last couple months. So don’t let your alertness level down by depending only on those credit agencies. They don’t prevent all problems.
This post was edited on 9/6/24 at 1:57 pm
Posted on 9/6/24 at 1:59 pm to tigerbacon
Honestly didn't know this was a thing until now, and this has been a fear of mine for some time.
Will do it for myself, wife, and kid next week.
Will do it for myself, wife, and kid next week.
Posted on 9/6/24 at 2:15 pm to bigjoe1
quote:
A bit time-consuming but worth it
Took less than 10 minutes and I had to create 2 accounts. No reason not to do it
Posted on 9/8/24 at 9:53 am to fallguy_1978
quote:
I've been a part of so many data breaches I've lost count,
At this point whose info isn’t on the dark web? We should get alerts if they can’t find our SSN out there.
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