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I have several credit cards that offer complementary credit monitoring on a monthly basis and already have alerts setup from credit karma and credit sesame. In
by xyst 3y ago
I have several credit cards that offer complementary credit monitoring on a monthly basis and already have alerts setup from credit karma and credit sesame.
In my experience, I always get prompt updates on changes to my credit (ie, new hard inquiries when I was mortgage shopping). Usually less than an hour after the actual event. In some cases, it’s instantaneous.
Freezing credit is more of a nuclear option in my opinion. Unfreezing your credit with these agencies is not something that is easy. Usually takes a couple of days.
The one aspect I have “frozen” access to is my “Work Number” by Equifax. Apparently companies have been sending Equifax this information without our explicit consent. It’s disgusting.
https://theworknumber.com/ https://theworknumber.com/
- judge2020 3y agoUnfreezing can be done instantly online for all of the agencies, the same way you freeze it.
- yumraj 3y ago> Freezing credit is more of a nuclear option in my opinion. Unfreezing your credit with these agencies is not something that is easy. Usually takes a couple of days. Please don’t spread FUD. It’s instantaneous if done online, have done it several times.
- al_borland 3y agoPrevention is better than trying to cleanup after a mess that’s already been made. Unfreezing has been quick and painless. I just need to ask whoever is doing the pull which agency they’re using. It does not take days. A credit check should also be a pretty infrequent event. I froze mine back in 2017 and have only had to unfreeze it a handful of times in the last 7 years.