topic Re: Added the freeze and it feels good. in Credit Cards

Added the freeze and it feels good.

travisr0 — Thu, 23 Apr 2015 19:43:39 GMT

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.

Re: Added the freeze and it feels good.

medo — Thu, 23 Apr 2015 20:53:57 GMT

I know the feeling. Had to do the same

Re: Added the freeze and it feels good.

ojefferyo — Thu, 23 Apr 2015 21:21:02 GMT

Just keep in mind that you were also automatically opted out

Re: Added the freeze and it feels good.

Anonymous — Thu, 23 Apr 2015 21:32:24 GMT

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.

Re: Added the freeze and it feels good.

CreditMagic7 — Thu, 23 Apr 2015 22:06:17 GMT

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

Re: Added the freeze and it feels good.

tiger_uppercut — Thu, 23 Apr 2015 22:12:31 GMT

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

Re: Added the freeze and it feels good.

adavis425 — Thu, 23 Apr 2015 22:41:04 GMT

@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.