- This topic has 40 replies, 7 voices, and was last updated 16 years, 10 months ago by snail.
-
AuthorPosts
-
January 18, 2008 at 8:16 PM #138706January 18, 2008 at 8:24 PM #138685CoronitaParticipant
Not to beat this topic to death. But I currently use the credit freeze capabilities provided by all three credit bureaus. I think it pretty much works very well.
Basically what happens is that you send a letter to the three credit bureaus telling them you want a credit freeze. You pay them $10, and they will send back a pin number.
Your credit file will be locked. To unlock your credit, you go online and answer a few questions about your credit and enter your pin. Then you specify how long you want the credit file to be open OR you specify the specific agency that should have access to your credit file, and the credit file will remain open for the specified duration.
It's not really that difficult. You just need to plan ahead when you think you need to open your credit file. For example, when you apply for a job, they often do a credit file pull. Just ask the employer which credit agency they use, and usually you can get the credit file unlocked in 24-48 hours.
I don't see what additional value these firms offer beyond a $1milion guarantee.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
January 18, 2008 at 8:24 PM #138758CoronitaParticipantNot to beat this topic to death. But I currently use the credit freeze capabilities provided by all three credit bureaus. I think it pretty much works very well.
Basically what happens is that you send a letter to the three credit bureaus telling them you want a credit freeze. You pay them $10, and they will send back a pin number.
Your credit file will be locked. To unlock your credit, you go online and answer a few questions about your credit and enter your pin. Then you specify how long you want the credit file to be open OR you specify the specific agency that should have access to your credit file, and the credit file will remain open for the specified duration.
It's not really that difficult. You just need to plan ahead when you think you need to open your credit file. For example, when you apply for a job, they often do a credit file pull. Just ask the employer which credit agency they use, and usually you can get the credit file unlocked in 24-48 hours.
I don't see what additional value these firms offer beyond a $1milion guarantee.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
January 18, 2008 at 8:24 PM #138711CoronitaParticipantNot to beat this topic to death. But I currently use the credit freeze capabilities provided by all three credit bureaus. I think it pretty much works very well.
Basically what happens is that you send a letter to the three credit bureaus telling them you want a credit freeze. You pay them $10, and they will send back a pin number.
Your credit file will be locked. To unlock your credit, you go online and answer a few questions about your credit and enter your pin. Then you specify how long you want the credit file to be open OR you specify the specific agency that should have access to your credit file, and the credit file will remain open for the specified duration.
It's not really that difficult. You just need to plan ahead when you think you need to open your credit file. For example, when you apply for a job, they often do a credit file pull. Just ask the employer which credit agency they use, and usually you can get the credit file unlocked in 24-48 hours.
I don't see what additional value these firms offer beyond a $1milion guarantee.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
January 18, 2008 at 8:24 PM #138663CoronitaParticipantNot to beat this topic to death. But I currently use the credit freeze capabilities provided by all three credit bureaus. I think it pretty much works very well.
Basically what happens is that you send a letter to the three credit bureaus telling them you want a credit freeze. You pay them $10, and they will send back a pin number.
Your credit file will be locked. To unlock your credit, you go online and answer a few questions about your credit and enter your pin. Then you specify how long you want the credit file to be open OR you specify the specific agency that should have access to your credit file, and the credit file will remain open for the specified duration.
It's not really that difficult. You just need to plan ahead when you think you need to open your credit file. For example, when you apply for a job, they often do a credit file pull. Just ask the employer which credit agency they use, and usually you can get the credit file unlocked in 24-48 hours.
I don't see what additional value these firms offer beyond a $1milion guarantee.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
January 18, 2008 at 8:24 PM #138451CoronitaParticipantNot to beat this topic to death. But I currently use the credit freeze capabilities provided by all three credit bureaus. I think it pretty much works very well.
Basically what happens is that you send a letter to the three credit bureaus telling them you want a credit freeze. You pay them $10, and they will send back a pin number.
Your credit file will be locked. To unlock your credit, you go online and answer a few questions about your credit and enter your pin. Then you specify how long you want the credit file to be open OR you specify the specific agency that should have access to your credit file, and the credit file will remain open for the specified duration.
It's not really that difficult. You just need to plan ahead when you think you need to open your credit file. For example, when you apply for a job, they often do a credit file pull. Just ask the employer which credit agency they use, and usually you can get the credit file unlocked in 24-48 hours.
I don't see what additional value these firms offer beyond a $1milion guarantee.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
January 18, 2008 at 11:08 PM #138559snailParticipantI want to correct myself….
The $10 is waived if you have a police report that showed someone was getting access to your identity and using it to open fraudulent account/accounts.
I have to do this last time and I found very annoying to have to unfreeze your credit report (its not hard but annoying)January 18, 2008 at 11:08 PM #138772snailParticipantI want to correct myself….
The $10 is waived if you have a police report that showed someone was getting access to your identity and using it to open fraudulent account/accounts.
I have to do this last time and I found very annoying to have to unfreeze your credit report (its not hard but annoying)January 18, 2008 at 11:08 PM #138795snailParticipantI want to correct myself….
The $10 is waived if you have a police report that showed someone was getting access to your identity and using it to open fraudulent account/accounts.
I have to do this last time and I found very annoying to have to unfreeze your credit report (its not hard but annoying)January 18, 2008 at 11:08 PM #138820snailParticipantI want to correct myself….
The $10 is waived if you have a police report that showed someone was getting access to your identity and using it to open fraudulent account/accounts.
I have to do this last time and I found very annoying to have to unfreeze your credit report (its not hard but annoying)January 18, 2008 at 11:08 PM #138868snailParticipantI want to correct myself….
The $10 is waived if you have a police report that showed someone was getting access to your identity and using it to open fraudulent account/accounts.
I have to do this last time and I found very annoying to have to unfreeze your credit report (its not hard but annoying) -
AuthorPosts
- You must be logged in to reply to this topic.