Yes, it is obvious, which is why it was strange that you asked if you missed anything. The answer was yes, you missed what you now agree is obvious. It relate

Yes, it is obvious, which is why it was strange that you asked if you missed anything. The answer was yes, you missed what you now agree is obvious. It relates to the article in the following obvious way. A freeze on running a credit report means that someone cannot run your credit report. Without the ability to run your credit report, someone cannot discover your existing accounts, limits, addresses, and balances by running your credit report. You also wrote: Equifax et al don't particularly care if you pay cash, they have some form of record on you either way. This is not correct. Equifax and the other bureaus do not have a record of you on a credit report if you always pay cash and never apply for or run a credit report.