Points to the wise, always keep your credit FROZEN. All three of the big credit firms make it simple to do and it has been easy to unlock when I wanted to do so

Points to the wise, always keep your credit FROZEN. All three of the big credit firms make it simple to do and it has been easy to unlock when I wanted to do so. if I know I am going to want to use my credit for a new account I identify which one the bank/merchant/etc will use and unlock it for 48 hours.