Which is better security freeze or security lock?

[Remedios]

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@tpdtopcop wrote:
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.

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I personally would opt for freeze. My EQ is neither locked or frozen because last time it took them 5 months to fix it. 

Now it just dangles free 🤷‍♀️

[CreditCuriosity]

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@Remedios wrote:

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@tpdtopcop wrote:
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.

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I personally would opt for freeze. My EQ is neither locked or frozen because last time it took them 5 months to fix it. 

Now it just dangles free 🤷‍♀️

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oh you have eq issues a well?  join the other 90% of the credit community that does as well lol .  Use to always have too big of reports and they would have to purge stuff off usually being hp's so was worth it back them.  Has slightly gotten better, but worst CRA there still is by miles.

[Remedios]

I had a freeze they claimed for months was removed. It wasn't. Took some serious effort to get that resolved
Then they started putting fraud alert on my file.
When I called them about it, CSR literally said:" You dont have a fraud alert. It will be removed in 48 hrs" lolwut!
That went on for a year at least, and it seems it' has stopped for now.
Cant wait to see what they think of next

On a positive side, not many around here care about EQ, I have a single unscorable HP on it as of this month.
I'm too traumatized to try freeze or lock again.
I'm never getting those hours back

[DaveInAZ]

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@Remedios wrote:

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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 

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Good old EX. I've used Lock for my reports since the EQ data breach and it's worked fine, but I do get freezing has more legal protection I used to pay only EX, $9.99/mo. for IdentityWorks Basic with Lock & scores, but then EQ gave me a free EX IDnotify account that has lock for EX, so I cancelled IdentityWorks. So then 6 months in a row EX would auto unlock my report every 30 days with a note "change in membership" and I had to go IDnotify to lock it again. It finally stopped a couple months ago, fingers crossed.

I lucked out with Equifax, I was in the middle of a 30 day free trial of their $29.99/mo. Complete Premier service when they went public with the data breach and they've continued the service for free for me ever since, unlimited scores amd lock & unlock, never any issues with EQ.