Isn't that wonderful, especially if your name is on the list.

We also have a credit freezes on all our credit reports. Monitoring only does so much and at this point, a credit freeze is the best option.

Of course the trade off is you can't get instant credit, but it's a small price to pay for an extra layer of security.

Not sure if certain accounts with credit freezes in place are locked down any tighter. The freeze means anyone inquiring about your history is forbidden from accessing it. If that made a difference in this instance remains to be seen.

BTW, I have already called the number & was told that I would have to visit the Equifax website in order to get more details.

Credit Freeze FAQs | Consumer Information

Thanks for the Info Dr Borg.

Borg 386 said:

We also have a credit freezes on all our credit reports. Monitoring only does so much and at this point, a credit freeze is the best option.

Of course the trade off is you can't get instant credit, but it's a small price to pay for an extra layer of security.

Not sure if certain accounts with credit freezes in place are locked down any tighter. The freeze means anyone inquiring about your history is forbidden from accessing it. If that made a difference in this instance remains to be seen.

BTW, I have already called the number & was told that I would have to visit the Equifax website in order to get more details.

Credit Freeze FAQs | Consumer Information

How did you manage to get the freeze? I enrolled, but it won't let me enter the info until 9/12, the enrollment date. That's what it said anyway.

essenbe said:

How did you manage to get the freeze? I enrolled, but it won't let me enter the info until 9/12, the enrollment date. That's what it said anyway.

@essenbe

You have to call them up & request a freeze. What you're applying for through that is credit monitoring. Credit monitoring is OK, but more often then not they let you know after something happened.

Freeze your credit. Credit freezes make it harder for criminals to open credit cards in your name. You'll need to call each of the credit bureaus -- Equifax (1-800-349-9960), Experian (1‑888‑397‑3742) and TransUnion (1-888-909-8872) -- to freeze your credit.

You will be asked to make or be assigned a PIN to unlock the freeze in case someone needs to access your credit report (Loans, insurance, etc.). Unlocking can take a couple days. Same with re-instating the freeze.

Two of the agencies will allow a credit freeze for free & the other one (I forget which one) charges $5.

If a place cannot access your credit score when someone is using your data to take out a loan or open a card account, in most cases they will not issue credit when the access to the credit info is frozen/blocked.

Yeah, I know it's a PIA but it's worth having the extra protection, for what it's worth. Despite mine being frozen, I was informed I was at risk, so it's apparent they don't separate frozen credit info into protected databases.