Added the freeze and it feels good.

travisr0 · ‎04-23-2015

I don't know why, but feels good to lock the credit up tight and let it freeze for a while at the same time knowing it's protected a bit better. It will help staying in the garden a bit easier as well. Added the freeze to all three reports, worth it for peace of mind I guess at least IMO.

Experian 756 // Equifax 764 // Transunion 759 // AAoA 5.7 years

medo · ‎04-23-2015

I know the feeling. Had to do the same

ojefferyo · ‎04-23-2015

Just keep in mind that you were also automatically opted out

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Anonymous · ‎04-23-2015

I hear Clark Howard talking about credit freeze all the time and how it's "cheap insurance" and I just want to scoop out my brain with a spoon.

I live in Illinois, so freezing credit is $10 per bureau per person, and thawing it is also $10 per bureau. My wife and I apply for about three credit cards per year, so that's at least three thaws required each year. And that's not factoring in if we apply for a CapOne card (pulls all three) or apply for a mortgage refi, car loan, new cell phone account, etc.

So for me and DW to freeze our credit, we're looking at (minimum) $120 in the first year and (minimum) $60 in each successive year perpetually. That doesn't sound "cheap" to me. I don't think it could feel that "good" to make up for the cost.

Chris.

CreditMagic7 · ‎04-23-2015

@ojefferyo wrote:
Just keep in mind that you were also automatically opted out

+1

tiger_uppercut · ‎04-23-2015

Froze mine as well. Just an added measure of protection, I'm not really tempted to app at the moment.

adavis425 · ‎04-23-2015

@Anonymous wrote:
I hear Clark Howard talking about credit freeze all the time and how it's "cheap insurance" and I just want to scoop out my brain with a spoon.

I live in Illinois, so freezing credit is $10 per bureau per person, and thawing it is also $10 per bureau. My wife and I apply for about three credit cards per year, so that's at least three thaws required each year. And that's not factoring in if we apply for a CapOne card (pulls all three) or apply for a mortgage refi, car loan, new cell phone account, etc.

So for me and DW to freeze our credit, we're looking at (minimum) $120 in the first year and (minimum) $60 in each successive year perpetually. That doesn't sound "cheap" to me. I don't think it could feel that "good" to make up for the cost.

Chris.

Wow! No, that doesn't sound cheap. Here in GA I'm pretty sure I paid 3$ per bureau to freeze. Same to unfreeze. Does give a sense of added security.