What you need to know about freezing your credit

Рет қаралды 37,093

Күн бұрын

Пікірлер: 68

@StarryDynamo88 5 ай бұрын

Notice When the government or a company fks up with our information…. WE have to monitor it WE have to worry about, stress, pay for whatever issues, deal with it etc … If the WE mess up on our taxes We get fined We get jail time We get penalties No one will be held accountable The company that failed through negligence will say “ we apologize “ That’s it …. If we mess up and say sorry…. Fines $$$ or jail time Funny huh

@doknox 5 ай бұрын

Yep meanwhile the real criminals run free!!!

@debyzwierlein-carter487 5 ай бұрын

(Unless your Father is Prez)

@psnap1111 5 ай бұрын

It’s economic stealth w4r

@vapeking466 3 ай бұрын

When Equifax got hacked in 2017 they offered $125 however it wasn't easy to get and was for a limited time. They should be held accountable any company leaking info and not just for a limited time. I have heard a credit freeze can sometimes make your insurance go up as insurance companies use credit to determined rates.

@km-bo3zx 5 ай бұрын

The 3 credit agencies should freeze or a fraud alert on everyone’s credit data.

@Theresalynn69 5 ай бұрын

If you put a freeze on one credit company, it should automatically freeze all three. I seem to always have a problem accessing at least one of the three. I don't understand why three credit companies are needed to monitor your credit. If it is like that, one account to access all three would make sense.

@km-bo3zx 5 ай бұрын

@@Theresalynn69 Agree. When I put my freeze on, 4 years ago, I think it was efax who asked me question that were unanswerable. Why do WE have to ask for more security on our data. Everyone should be getting the best security that is available!

@af31ns 5 ай бұрын

Why do these three private credit reporting agencies have so much power over private citizens finances?

@currentphonograph7487 5 ай бұрын

Things where much safer when information was kept on paper records

@siabae3322 5 ай бұрын

Yes, when it comes to governmental information. We should just process it in person. It’s clear that online information is a much greater risk for leaks.

@tamzter27 5 ай бұрын

Agreed 💯

@Grazie7 3 ай бұрын

@@siabae3322but the govt will just digitize it anyway, and they’re careless with it.

@Theresalynn69 5 ай бұрын

@mariakristinahawl1640 5 ай бұрын

Couldn't someone with all your data be able to unfreeze your credit?

@cosmicwishbone 5 ай бұрын

when you freeze your credit each bureau gives you a generated codes that's required to unfreeze your account again

@GodsSparrowSpeaks 5 ай бұрын

Maybe it’s like banks - duck your funds out instantaneously, but take up to two weeks to “credit” you back, conveniently using your money to make interest

@NoName-zb1op 5 ай бұрын

But what if they hack them and they get the codes

@doknox 5 ай бұрын

@@cosmicwishboneand they probably send it to you through email soooo.....

@lissarx2459 5 ай бұрын

@@NoName-zb1op a generated code means it happens then in there at that moment by phone or email.

@louismat319 5 ай бұрын

Half of the people will freeze their credit but then forget the login for the site. There unable to unfreeze their credit.

@nanjones3973 5 ай бұрын

NPD should have to pay for every person's service with all 3 bureaus to lock their data.

@theresaandrade5708 5 ай бұрын

I don't know why everyone doesn't keep their credit frozen until they need to apply for something. It's better to be proactive than to add a freeze after something happens. Identity theft is too big of a problem to not worry about it.

@illssolution5720 5 ай бұрын

Equifax does not charge. Experian and Transunion charge a monthly fee.

@kairiver3840 2 ай бұрын

I recently froze mine and Equifax was the only one that did charge - $10 a month to have an account with them. Experian and Transunion were free.

@WildernessMapper 5 ай бұрын

The credit bureau website is frozen... Lol seriously...

@maclura 5 ай бұрын

not like it can handle every single american trying to deal with it at the same time.

@iheartlofi 5 ай бұрын

Same here, frozen.

@gabrielalamberti5860 5 ай бұрын

same here - experian website is frozen too.

@WildernessMapper 5 ай бұрын

@@maclura 🤣😂

@lkd06 5 ай бұрын

Yeah same thing happened when Equifax was hacked in 2017

@Ss1mega 5 ай бұрын

Pretty funny since some of the hackers are us based too. Their own ssn got leaked

@tamzter27 5 ай бұрын

I think it's people in other countries really.

@mrthomaslaux1 5 ай бұрын

Will it effect your current loans etc?

@shav12 5 ай бұрын

Nope

@MSRez95 5 ай бұрын

Does freezing it affect credit score? And I hear that even if it’s frozen someone can still open credit account to under your name

@christiansanchez1578 5 ай бұрын

Yes that’s correct ! If you do anything ! Freeze , closed , it messes up your credit for sure !!!

@koitsu2013 5 ай бұрын

@@christiansanchez1578This is incorrect. Freezing your credit DOES NOT affect your credit score. What it does is inhibit (stop) someone from being able to open financial accounts in your name / with your SSN, as well as inhibit anyone running a credit report against your name / SSN (which would provide them with even more personal information).

@tamzter27 5 ай бұрын

@@christiansanchez1578no it does not.