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Equifax itself isn't charging for freezes right now. edit: ceejayoz has pointed out that they are free for 30 days only (and we're in that time window already)

by sb8244 9y ago

Equifax itself isn't charging for freezes right now. edit: ceejayoz has pointed out that they are free for 30 days only (and we're in that time window already).

Multicomp 9y ago
Really? Thanks for letting me know. I'll have to call and confirm the refund.
ceejayoz 9y ago
Sure, but they're free for only 30 days. You still need to freeze with the other two agencies, and in a few weeks it'll cost money to lift your Equifax freeze if you want to open a new account.
- apetresc 9y ago
  I've been told by multiple sources that freezing with one agency is enough - other agencies automatically pick up that freeze.
  - ceejayoz 9y ago
    No, that's the 90 day fraud report. https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs https://www.consumer.ftc.gov/articles/0497-credit-freeze-faq... > How do I place a freeze on my credit reports? Contact each of the nationwide credit reporting companies. https://www.consumer.ftc.gov/articles/0275-place-fraud-alert https://www.consumer.ftc.gov/articles/0275-place-fraud-alert > Ask 1 of the 3 credit reporting companies to put a fraud alert on your credit report. They must tell the other 2 companies. http://money.cnn.com/2017/09/12/pf/what-is-a-credit-freeze/index.html http://money.cnn.com/2017/09/12/pf/what-is-a-credit-freeze/i... > In response to public outcry, Equifax announced that fees to freeze your credit will be waived for the next 30 days. But even that doesn't totally protect your information since your data isn't fully frozen until it is on ice at all three credit bureaus. The other bureaus have their own fees. It's also unclear whether Equifax would still charge you a fee to lift the freeze. The company did not immediately respond to request for comment.
  - exhilaration 9y ago
    Every article I've read on this, including the New York Times article [1] that I think was posted here, says you must freeze at EACH agency. It's a big racket, they have no interest in making it easier for us. [1] https://www.nytimes.com/2017/09/08/your-money/identity-theft/equifaxs-instructions-are-confusing-heres-what-to-do-now.html https://www.nytimes.com/2017/09/08/your-money/identity-theft...
exhilaration 9y ago
Thanks for the tip, I've been waiting for the free Equifax credit monitoring (I haven't been able to log in, though they keep telling me I have a account). A free freeze is good enough. Here's the link for everyone else: https://www.freeze.equifax.com/ https://www.freeze.equifax.com/

by sb8244 9y ago

Equifax itself isn't charging for freezes right now. edit: ceejayoz has pointed out that they are free for 30 days only (and we're in that time window already).

Multicomp 9y ago

Really? Thanks for letting me know. I'll have to call and confirm the refund.

ceejayoz 9y ago

Sure, but they're free for only 30 days. You still need to freeze with the other two agencies, and in a few weeks it'll cost money to lift your Equifax freeze if you want to open a new account.

apetresc 9y ago
I've been told by multiple sources that freezing with one agency is enough - other agencies automatically pick up that freeze.
- ceejayoz 9y ago
  No, that's the 90 day fraud report. https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs https://www.consumer.ftc.gov/articles/0497-credit-freeze-faq... > How do I place a freeze on my credit reports? Contact each of the nationwide credit reporting companies. https://www.consumer.ftc.gov/articles/0275-place-fraud-alert https://www.consumer.ftc.gov/articles/0275-place-fraud-alert > Ask 1 of the 3 credit reporting companies to put a fraud alert on your credit report. They must tell the other 2 companies. http://money.cnn.com/2017/09/12/pf/what-is-a-credit-freeze/index.html http://money.cnn.com/2017/09/12/pf/what-is-a-credit-freeze/i... > In response to public outcry, Equifax announced that fees to freeze your credit will be waived for the next 30 days. But even that doesn't totally protect your information since your data isn't fully frozen until it is on ice at all three credit bureaus. The other bureaus have their own fees. It's also unclear whether Equifax would still charge you a fee to lift the freeze. The company did not immediately respond to request for comment.
- exhilaration 9y ago
  Every article I've read on this, including the New York Times article [1] that I think was posted here, says you must freeze at EACH agency. It's a big racket, they have no interest in making it easier for us. [1] https://www.nytimes.com/2017/09/08/your-money/identity-theft/equifaxs-instructions-are-confusing-heres-what-to-do-now.html https://www.nytimes.com/2017/09/08/your-money/identity-theft...

exhilaration 9y ago

Thanks for the tip, I've been waiting for the free Equifax credit monitoring (I haven't been able to log in, though they keep telling me I have a account). A free freeze is good enough. Here's the link for everyone else: https://www.freeze.equifax.com/ https://www.freeze.equifax.com/