Have You Frozen Your Credit Yet?
November 5, 2009 – 5:57 amIn speaking with friends it still surprises me how many have yet to freeze their credit reports. I know it seems like a bit of a hassle, but it’s not and the protection it provides is remarkable. It will take you less than 30 minutes and will cost $30 per person to fill out the forms and mail in your credit freeze paperwork to the three credit bureaus.
Then if you need to apply for new credit you simply have to call the necessary credit bureau, pay $10, and “thaw” the credit freeze for a day or two.
It’s painless, and it could save you from major pain in suffering if someone were to apply for credit in your name. Do you really check your credit reports every few months? I bet most people don’t even order their free credit reports once a year. Therefore someone could easily apply for credit in your name a full year before you ever know about it. Good luck getting all of those charges removed. It will take you hours and hours to clear all of that up.
If you’re prone to signing up for new credit offers and know that you shouldn’t this will slow down the process as well. You can’t just walk into a Costco and sign up for a new American Express card. By having to wait a second, think, and call the credit bureau you my just have enough courage to skip signing up for yet another credit card or car loan.
Give it a try!
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One Response to “Have You Frozen Your Credit Yet?”
I only paid $3 to each credit agency, for a total of $9, to freeze my credit reports.
Where are you getting the $30 from?
Also, I was able to do all 3 online.
By NRB on Dec 22, 2009