9 ms·

hmm i called the 3 mentioned here today and all were free. https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs https://www.consumer.ftc.gov/articles/

• cbhl 9y ago
  What state do you live in? Credit freeze rules vary from state to state.
  • otp124 9y ago
    Is there a wiki page or government list that describes the rules for each state?
    • repple 9y ago
      Here's one list: http://www.creditcards.com/credit-card-news/credit-card-freeze-data-1276.php http://www.creditcards.com/credit-card-news/credit-card-free...
  • scruple 9y ago
    I'm wholly ignorant to this but I am very curious. Why would it be like that?
    • deleted 9y ago
      [deleted]
    • syshum 9y ago
      Different state laws mandating different things. Federal Law allows a fee, some states have passed laws mandating no fee, or no fee to freeze but a fee to unfreeze, etc
• kcon 9y ago
  I believe it depends on your state. I'm in California and I had to pay $10 for freezing on Experian and TransUnion, although it was free for Equifax.
  • anyfoo 9y ago
    Same experience here (also CA), and I was able to freeze all of them online. It's mildly interesting how different the experience was across the three. Experian gave me the choice between choosing a PIN and getting a generated one, Equifax just gave me a PIN, and for TransUnion I had to choose the PIN (shorter than for the other reports) myself.
    • dcosson 9y ago
      How do you freeze them online?
      • anyfoo 9y ago
        Come on, that's really not hard to find out for yourself. But here are the links anyway: https://www.freeze.equifax.com/ https://www.freeze.equifax.com/ https://freeze.transunion.com/ https://freeze.transunion.com/ https://www.experian.com/freeze/center.html https://www.experian.com/freeze/center.html
        • mjhoyer 9y ago
          ugh. even their 10 digit code they provide to unfreeze someone isn't very secure. It's simply todays date plus a 4 digit pin that moves up in the order that someone signs up. For example: 090817xxx1, 090817xxx2. So my wife and I are simply two numbers apart.
          • pkulak 9y ago
            Jesus. I think you can provide your own. But yeah, when the user-facing bits are this bad, you know it's nothing but garbage below. I can't believe these companies have so much power.
• kimsk112 9y ago
  https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs#place https://www.consumer.ftc.gov/articles/0497-credit-freeze-faq... said: "You'll need to supply your name, address, date of birth, Social Security number and other personal information. Fees vary based on where you live, but commonly range from $5 to $10." So depending on where you live, you probably have to pay.
  • oh_sigh 9y ago
    I thought all 3 were free to freeze but $10 to unfreeze
    • wavefunction 9y ago
      $10.83 in Texas for Experian f no I'm not paying them anything
  • morganvachon 9y ago
    Fuck that, Equifax should offer free freezing for anyone affected by their breach. Charging for it is profiting from their own negligence.
    • alxndr 9y ago
      Would love to hear a lawyer's take on this.
      • pkilgore 9y ago
        We all got two comments into this thread and decided literally anything is better than trying to deal with all the crazy legal theories and bullst going on in here. I've just been skimming search result for lawyer... You're pretty much the only one actually asking for one...
  • SilasX 9y ago
    So wait, you only need to provide the very same data that was just breached? So anyone can just freeze anyone else's credit now? Edit: well, you have to pay with a credit card so it's traceable, so not that bad.
• sounds 9y ago
  Experian has not accepted phone applications for a security freeze for a while now.