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Replies: 23
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All-In [49179]
TigerPulse: 100%
Posts: 27607
Joined: 8/10/02
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Credit Freeze. Discuss.
Sep 15, 2017, 10:02 AM
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Do you have a Credit freeze on your file? Why/why not? How bout that Equifax mess? What do you do to protect your credit info?
I don't rilly care if you bring the funny or the serious, but hopefully I'll get either a chuckle or edumacated.
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110%er [5323]
TigerPulse: 100%
Posts: 1951
Joined: 5/17/17
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I just did a fraud alert.
Sep 15, 2017, 10:05 AM
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A lot less of a headache and it doesn't cost anything.
If you put a fraud alert in with one bureau, they notify the other 2.
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Oculus Spirit [81078]
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Joined: 9/13/04
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By the time they catch a fraud, damage is already done.
Sep 15, 2017, 10:25 AM
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If you live in SC, freezing your credit at all 3 reporting agencies is free.
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Oculus Spirit [78892]
TigerPulse: 100%
Posts: 26424
Joined: 12/6/98
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Clark Howard says
Sep 15, 2017, 10:05 AM
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.
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All-In [49179]
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Joined: 8/10/02
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he says broken link?***
Sep 15, 2017, 10:06 AM
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Oculus Spirit [78892]
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Joined: 12/6/98
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Re: he says broken link?***
Sep 15, 2017, 10:18 AM
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lol
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All-In [49179]
TigerPulse: 100%
Posts: 27607
Joined: 8/10/02
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Done.
Sep 15, 2017, 11:15 AM
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I feel so safe.
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All-In [47765]
TigerPulse: 100%
Posts: 30418
Joined: 11/15/99
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Haven't pulled the trigger yet, but thinking about it.
Sep 15, 2017, 10:06 AM
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Trying to figgure if it's worth all the trouble and if it would actually work. I mean, if hackers can get 140M users data from Experian would a "credit freeze" stop them from going further?
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All-In [43778]
TigerPulse: 100%
Posts: 18117
Joined: 4/24/15
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a freeze won't keep someone from using your
Sep 15, 2017, 10:07 AM
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credit card or debit card.
It will keep them from opening new crap in your name.
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All-In [35541]
TigerPulse: 100%
Posts: 14328
Joined: 4/7/17
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Canceling all your cards will stop them***
Sep 15, 2017, 12:13 PM
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All-In [43778]
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Joined: 4/24/15
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Mine's been frozen for years
Sep 15, 2017, 10:06 AM
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Going back to when trikki Nikki stole SC resident identity.
Simple to do, and you can thaw it back out pretty quickly then refreeze if you need credit for something.
At this point I'm kinda all like heck why not. Unless you are applying for credit on the reg.
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Oculus Spirit [81078]
TigerPulse: 100%
Posts: 56152
Joined: 9/13/04
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This. I don't know why you wouldn't have your credit frozen***
Sep 15, 2017, 10:24 AM
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All-Pro [667]
TigerPulse: 98%
Posts: 399
Joined: 6/29/17
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Because you're
Sep 15, 2017, 10:56 AM
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H8nusc® and have to rent a tv every week for the Clemson games
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Hall of Famer [21271]
TigerPulse: 100%
Posts: 12485
Joined: 9/23/06
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What if I am constantly buying rental houses?
Sep 15, 2017, 2:01 PM
[ in reply to Mine's been frozen for years ] |
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I guess basically what I am asking is do I have to have it unfrozen to buy a house under an LLC. The bank checks personal stuff, but the account would be under the LLC.
And by constantly I mean about 1 or 2 a year... so not that constant. But I just dont know how hard it would be to constantly freeze and thaw it.
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Lot o points [155981]
TigerPulse: 100%
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Joined: 5/6/13
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Why would you not in SC...it's free there.
Sep 15, 2017, 11:16 AM
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Bastages charging for it everywhere else each time you freeze and unfreeze.
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All-In [49179]
TigerPulse: 100%
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Joined: 8/10/02
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$10 for Transunion and Experian, Equifax free in VA.
Sep 15, 2017, 11:23 AM
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and free to unfreeze temporarily.
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All-Pro [667]
TigerPulse: 98%
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Joined: 6/29/17
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Also important:
Sep 15, 2017, 11:19 AM
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If you have kids. Freeze their credit as well.
Identity thieves love getting the little kids' info because they don't check credit scores or take out loans for years.
If it happens, your child can go into life with a ###### credit score.
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CU Medallion [55787]
TigerPulse: 100%
Posts: 35314
Joined: 11/30/98
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No. But from experience First Citizens bank sucks.
Sep 15, 2017, 11:50 AM
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Gave me a bidness line of credit but no access yet and a crappy bidness credit card deal. And acted like they were doing me a favor.
Though it'd be a pain, thinking ima switch banks.
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Hall of Famer [21271]
TigerPulse: 100%
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Joined: 9/23/06
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One in Lyman has been good to me.
Sep 15, 2017, 2:05 PM
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I got to know them on a personal level where they say hello to me by name when I walk in. They now put through things immediately when something comes in through an escrow. It typically has a 3 business day wait... or like 7 or something with Wells Fargo (which is one of many reasons I eventually left WF).
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All-In [35541]
TigerPulse: 100%
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Joined: 4/7/17
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Steps to freeze and unfreeze your cerdit??***
Sep 15, 2017, 12:15 PM
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All-In [29076]
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All-In [35541]
TigerPulse: 100%
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Joined: 4/7/17
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AOL?***
Sep 15, 2017, 12:20 PM
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All-In [29076]
TigerPulse: 100%
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It was an option, I went with it.
Sep 15, 2017, 12:23 PM
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Reminded me of my youth
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All-In [49179]
TigerPulse: 100%
Posts: 27607
Joined: 8/10/02
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Replies: 23
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