How to FREEZE a report

MyDataMyChoice · ‎02-06-2015

How to FREEZE a report?

Does it cost money?

I basically want a PASSWORD or PIN required when i go to apply for something

Don't want to pay for 'life lock'

Barclay Banana Republic Store Card - Reconsideration for $200

Amazon/Whole Foods Visa June 2024 $3500 - September 2024 Auto CLI SP CLI to 5K

November 2023 - Home Depot Credit Card SL $500 May 2024 HP CLI to $5,700

October 2023 - PENFED Overdraft Line of Credit $2,000

October 2023 - US Alliance Financial Overdraft Line of Credit $4,000

October 2023 - SOFI $7,000 - 15 Months No Interest and $200 Sub. 3% CB one year then 2%

October 2023 - Wells Fargo REFLECT Visa Signature SL $9,000 21 Mo Interest Free - Transferred 12K from ACTIVE Limit to REFLECT New Limit $21,000

October 2023 - Alliant Credit Union Visa Signature SL $10,000 - 2% CB

May 2022 - Wells Fargo ACTIVE Visa Signature SL $13,000 - $200 SUB - 15 Mo Interest Free then 20.24% - Transferred 12K of CL to REFLECT New Limit $1,000

SDFCU Visa Signature $5000 CLI to 6500 - Auto CLI to 9500

Upgrade Cash Rewards Visa Signature $20,000, seems to only report high balance

May 2021 - SYNB Lowe's Advantage SL $800 - Same Day CLI to 17K | April 2022 CLI to 35K

May 2021 - BofA Customized Cash Partially Secured 99/500 | April 2022 Graduated $1500 CL

Prequal Capital One Quicksilver | SL $5,000, OCt 2023 CLI to $5,500 @ 25.49% Apr 2021 - $200 SUB, 15 Mo No Interest

PENFED Pathfinder Visa Signature | SL $5,000 @ 17.99% Apr 2021

Apple Card by Goldman Sachs | SL Feb 2021 $4,000 - CLI May 2021 to $4,500 - CLI to $7,000 April 2022 - CLI to $9,000 - March 2024 CLI to 11.5K 21.99%

DELL Preferred Account $5000 @ 17.49 - Prequalified | Feb 2021 | HP CLI to $5,500

PENFED PCR (2%CB w/ Honors) | AUG 2020 - $3,500 - CLI May 2021 - $5000 - CLI Oct 2023 $10,000@ 17.99

OLLO Dec 2019 $2,500 - Auto CLI Aug 2020 $3,100

Anonymous · ‎02-06-2015

@JTC403 wrote:
How to FREEZE a report?

Does it cost money?

I basically want a PASSWORD or PIN required when i go to apply for something

Don't want to pay for 'life lock'

Experian offers online freeze. Just google it.

JagerBombs89 · ‎02-06-2015

@JTC403 wrote:
How to FREEZE a report?

Does it cost money?

I basically want a PASSWORD or PIN required when i go to apply for something

Don't want to pay for 'life lock'

If you are not a victim of identity theft, then generally you must must PAY PER BUREAU a price to freeze your reports. You must also PAY to unfreeze them temporarily or permanently. I believe it runs around $10 per transaction, depending on what state you live in.

Follow my story, road to 800!

From 800 to Foreclosure - Effects of Negatives

Anonymous · ‎02-07-2015

@JTC403 wrote:
How to FREEZE a report?

Does it cost money?

I basically want a PASSWORD or PIN required when i go to apply for something

Don't want to pay for 'life lock'

@JTC403,

As another user pointed out, unless you are a victim of identity theft, it is still going to coast you money freezing and unfreezing it. It best for you to do a comparison with the cost of lifelock and going this route.