That's a fraud alert.I thought you only had to report one freeze because all 3 companies share that info?
I thought you only had to report one freeze because all 3 companies share that info?
Wait what are Innovis and Chexsystems? Do I need to do more freezing?
There are actually more than the big 3 for credit. Both Innovis and Chexsystems are widely known. I did a freeze on Innovis as Krebs mentioned it. Haven't done one with Chex though.
I finally did it through Equifax and Transunion, but Experian would not go through.
Anything I should do differently, or just keep trying?
I finally did it through Equifax and Transunion, but Experian would not go through.
Anything I should do differently, or just keep trying?
I finally did it through Equifax and Transunion, but Experian would not go through.
Anything I should do differently, or just keep trying?
Tried both.Try calling. Might be easier.
Maybe 10 minutes ago now, over the phone.How did you get through Equi? Phone or online? How long ago?
Ive been trying non stop but cant get through. Was able to do it on the other 2.
Tried both.
Maybe 10 minutes ago now, over the phone.
Edit: Equifax went through, no charge?
How did you get through Equi? Phone or online? How long ago?
Ive been trying non stop but cant get through. Was able to do it on the other 2.
Do we have to call to have our pins changed to a randomized one?
I had to call Equifax on the phone like 10 times today before it finally worked. Experian took a while too.
TransUnion is the only one with their shit together of the big 3 on this tbh.
Thx, I had to take a break bcs my stress levels were waayyyy too high and I still need to do my wife's freezes. I'll try calling Equi in a little while.
I agree that TU was the more smooth and easiest of all.
Just heard that same story and came here to ask as well.I heard over npr (local affiliate) that credit freezes only help protect against a small portion of credit fraud.. Is that true? Any financial/credit/identity theft experts on here?
I'm wondering because I just did a fraud alert, and will continue to monitor my credit instead of freezes, though debating the freezes...
I heard over npr (local affiliate) that credit freezes only help protect against a small portion of credit fraud.. Is that true? Any financial/credit/identity theft experts on here?
I'm wondering because I just did a fraud alert, and will continue to monitor my credit instead of freezes, though debating the freezes...
That's a fraud alert.
A freeze must be done individually for each agency.
They share fraud alerts, not freezes.
Was finally able to get the freeze on the phone with Experian. They said they'll mail the PIN. Did anyone else have to get theirs mailed? Should I call them instead?
Need to do Equifax and Chexsystems still... and my husband's. Ugh
Edit: Chexsystems was easy as fuck online... Equifax number didn't work of course.
That's odd, I was able to do Experian's with their automated system yesterday.
I heard over npr (local affiliate) that credit freezes only help protect against a small portion of credit fraud.. Is that true? Any financial/credit/identity theft experts on here?
I'm wondering because I just did a fraud alert, and will continue to monitor my credit instead of freezes, though debating the freezes...
Just heard that same story and came here to ask as well.
Litan says freezing credit prevents fewer than 5 percent of financial crimes. Sadly, she says, because the three credit agencies have a virtual monopoly, there are no decent alternatives.
If you keep reading, I was able to do mine over the phone. Did my husband's online though.
https://www.equifaxsecurity2017.com/
Anyone that weren't affected by the data breach according to this link
Did you still freeze your credit?
In the short term, the Social Security Administration has to get a system set up to allow citizens to change their SSNs because 143 million Americans are now completely compromised.
Does freezing your credit with the 3 bureaus stops you from getting your annual credit report?