![]() ![]() Some lenders may not even check one's credit (hence freeze won't matter), but may later report a collection for a past-due debt being collected on. If you've already frozen them, you can still request free credit reports from, but many credit monitoring services won't work unless you unfreeze, signup, and then re-freeze.įor those overly concerned about the security of their credit, monitoring is essential because freezes don't stop all credit activity can be bypassed in some instances. To the OP, if you're able, signup with free CreditKarma and/orĮxperian (scroll down towards bottom for free, no credit card needed version) credit monitoring. ![]() While it's not iron-clad security, a freeze is often still worthwhile, since it adds a barrier for scammers, especially those that utilize automated methods. "You can also request the PIN directly from the customer support rep by providing more information."ĭon't get me wrong, it's understandable that 3 big credit bureaus would have a PIN recovery procedure that doesn't depend on the postal mail or other out of band methods due to people moving, etc. That last part of your reply illustrates all too well how little additional security a freeze truly offers. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit. Get your financial house in order, learn how to better manage your money, and invest for your future. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests. ![]()
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