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Correct me if I’m wrong, but I’ve signed up for all 3 bureaus and enabled the credit freeze. My understanding, and experience years later, is that it is still f
by albroland 3y ago
Correct me if I’m wrong, but I’ve signed up for all 3 bureaus and enabled the credit freeze. My understanding, and experience years later, is that it is still frozen. I had to unfreeze a specific one last year for an auto loan.
Is there something else I’m missing that’s only temporary?
- fordholes 3y agoIf someone hijacks your account they can unfreeze your credit. It’s easy to hijack accounts.
- albroland 3y agoI understand that, I’m curious if reporting fraud activity helps prevent that in some way like the parent comment seems to suggest, if only for a year.
- benlivengood 3y agoThe fraud alert adds a requirement that potential lenders call a phone number added to the credit file to authorize new loans/accounts, making it significantly less likely that fraud can take place.
- albroland 3y agoTIL! Ty, I'll keep this in mind next time my credit card number is inevitably compromised.