Which is better security freeze or security lock?

[tpdtopcop]

I have notice that with TU that you can place a freeze but also using true identity you can place a lock. Which is better or are they both the same?

[Remedios]

Both pretty much function the same, except freezes are legally mandated, so if something goes wrong, there are more protections for consumer.
CRAs probably prefer you lock, because if your file is accessed somehow, there is less liability for them.
Also, freezing used to be cumbersome and time consuming ordeal, so locking gained traction due to ease of process, however that's been simplified now, and you can freeze and unfreeze as often as you need.

[Anonymous]

a credit lock can be switched on/off very easily, but a freeze is a more permanant long term thing.

sometimes these freezes and locks don't work... if your credit got ruined when it was locked you wouldn't have as much protection under the law. so if you're afraid of identity thefts, do a freeze. if you're only afraid that some clerk at a store will do a hard-pull on your credit without permission, do a lock.

[Remedios]

No, freeze can be removed almost instantly now, simply by using a pin. No worse than a lock

Not really sure what you're talking about with "long term"

That's changed quite a while ago. 

[calyx]

I've never used locks, and only recently started using freezes.   I've found freezes very easy to use, particularly when they let you set temporary times for access (I'm just gonna call that a 'thaw').

[tpdtopcop]

Thanks for all the reply’s. I just didn’t know if one was better that the other. Just didn’t want any hard pulls from my credit.

[FireMedic1]

Freeze=Free

Lock=Gotta Pay basically

[Anonymous]

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@calyx wrote:

I've never used locks, and only recently started using freezes.   I've found freezes very easy to use, particularly when they let you set temporary times for access (I'm just gonna call that a 'thaw').

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Used the temporary un freeze for two days and it auto froze back on! Slick!!!

[calyx]

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@Anonymous wrote:

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@calyx wrote:

I've never used locks, and only recently started using freezes.   I've found freezes very easy to use, particularly when they let you set temporary times for access (I'm just gonna call that a 'thaw').

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Used the temporary un freeze for two days and it auto froze back on! Slick!!!

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I gotta say, I really do like the temporary thaws - it's nice to know I don't have to remember to log back in for a freeze.   Best of both (frozen/not frozen) worlds, imo.

[Remedios]

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@FireMedic1 wrote:

Freeze=Free

Lock=Gotta Pay basically

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EX only. TU and EQ have a free lock