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I've had mine frozen for years. Unfrozen it once to buy a house and a second time to buy a car. Not a problem. As a side benefit, it keeps me from applying f

• toomuchtodo 9y ago
  > I don't know if it denies the agencies the value of your data, but maybe so, because they clearly don't want you to do it. It does. There's a cost per credit file to store/manage, and with a freeze in place, no revenue generation can occur on that file. Highly recommend US residents freezing their Work Number file [1], in addition to their credit file at each of the 3 credit reporting agencies. [1] https://krebsonsecurity.com/2017/11/how-to-opt-out-of-equifax-revealing-your-salary-history/ https://krebsonsecurity.com/2017/11/how-to-opt-out-of-equifa...
  • zxcvbn4038 9y ago
    Anyone with an existing credit relationship with you can still do soft inqueries so it’s not complete but (on paper) it does prevent them from selling your name to others. However if you look even closer these companies have other databases which are not intended for being used in credit decisions and are thus not subject to FCRA and it’s impossible to have information removed from those. They have every address I ever lived at, every phone number I’ve ever had, a list of known associates including relatives of ex-girlfriends whom I lived with only briefly during school, and apparently I own a sporting goods store in Texas - can’t tell them otherwise.
    • inetknght 9y ago
      Whoa wait what how do I find my info in there?
      • toomuchtodo 9y ago
        https://www.theworknumber.com/Employees/DataReport/ https://www.theworknumber.com/Employees/DataReport/