Lock credit report

[razzy116]

Is it good to lock the credit reports? Thank you and be safe.

[dragontears]

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@razzy116 wrote:

Is it good to lock the credit reports? Thank you and be safe.

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Depends, what is your definition of "good"?

[AllZero]

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@CreditInspired wrote:

Freeze your credit with Equifax, Experian and TransUnion

Credit Bureau	Online	By phone	By mail
	Visit: Equifax Credit Freeze page	1-800-685-1111 (NY residents call 1-800-349-9960)	Equifax Security Freeze, P.O. Box 105788 Atlanta, GA 30348
	Visit: Experian Credit Freeze page	1-888-EXPERIAN (1-888-397-3742)	Experian Security Freeze, P.O. Box 9554 Allen, TX 75013
	Visit: TransUnion Credit Freeze page	1-888-909-8872	TransUnion LLC, P.O. Box 2000 Chester, PA 19016

I found this on https://clark.com/credit/credit-freeze-and-thaw-guide/

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[razzy116]

I got an alert from MyFico that my information was on the black market, that"s why i was saying about freezeing my credit report.

[razzy116]

I froze my credit report on MyFico, is that ok? Thank you.

[Horseshoez]

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@razzy116 wrote:

I got an alert from MyFico that my information was on the black market, that"s why i was saying about freezeing my credit report.

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I'd lay odds virtually all of us have some information available on the Dark Web, and I don't believe any amount of freezing credit reports will prevent that.  That said, I do currently have all three reports frozen, a process of hitting the web sites of all three CBs and performing a freeze.

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@razzy116 wrote:

I froze my credit report on MyFico, is that ok? Thank you.

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As for freezing your reports on myFICO, quite honestly, I didn't even know that was possible.

[razzy116]

I froze my credit reports do i still get updates on my scores on MyFico? Thank you and be safe.

[Anonymous]

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@razzy116 wrote:

I froze my credit reports do i still get updates on my scores on MyFico? Thank you and be safe.

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Yes.

[designated_knitter]

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@Horseshoez wrote:

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@razzy116 wrote:

I got an alert from MyFico that my information was on the black market, that"s why i was saying about freezeing my credit report.

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I'd lay odds virtually all of us have some information available on the Dark Web, and I don't believe any amount of freezing credit reports will prevent that.  That said, I do currently have all three reports frozen, a process of hitting the web sites of all three CBs and performing a freeze.

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@razzy116 wrote:

I froze my credit report on MyFico, is that ok? Thank you.

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As for freezing your reports on myFICO, quite honestly, I didn't even know that was possible.

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I keep my reports frozen after I got an alert of an inquiry last year for a credit card that I didn't actually apply for.  Someone else was trying to apply for credit using my SSN which is supposedly on the dark web.

So yes, I believe it is a good idea. It doesn't interfere with the ability to get my credit reports from my FICO, credit karma or any other monitoring service.

[babygirl1256]

Locking the credit report may work for some but not for all . . . I haven't locked mine yet -and- I heard that sometimes it's difficult to unlock (but I haven't confirmed that). Once I confirm, I may lock my file when I go to the Garden in 6/2021.