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Esteemed Contributor
Posts: 7,163
Registered: ‎08-20-2012

Re: Equifax credit breach and placing a credit freeze


@Jordan2 wrote:

To check if your info was compromised, they ask for the last 6 digits of your social security number. Is it safe to give them the last 6 digit, that's what's holding me back from checking?

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      That is what stopped me from checking.  Thought they asked for too much personal info....

      And the report about "everyone" who checked got a positive "you are compromised" answer!!


 

Respected Contributor
Posts: 3,458
Registered: ‎06-10-2015

Re: Equifax credit breach and placing a credit freeze

Here's a link to a PDF from Equifax that provides rates for freezes and related services by state.

https://tinyurl.com/y9m49pvb

 

Some states offer free freezes to people over 65.

 

In the face of this breach, there should be no fees at all for anyone, IMO.

Honored Contributor
Posts: 11,961
Registered: ‎03-09-2010

Re: Equifax credit breach and placing a credit freeze

Are freezes permanent after the initial payment, or must they be renewed after a specified period of time?

Valued Contributor
Posts: 626
Registered: ‎06-15-2010

Re: Equifax credit breach and placing a credit freeze

Don't think anyone should pay this Company. They are at fault. Funny any news about this has been buried.

Honored Contributor
Posts: 13,617
Registered: ‎01-02-2011

Re: Equifax credit breach and placing a credit freeze


@deepwaterdotter wrote:

Are freezes permanent after the initial payment, or must they be renewed after a specified period of time?


The three I placed indicated they were permanent unless I requested an account to be unfrozen.  

 

I am 65 so maybe that's why I wasn't charged any fees.  

Honored Contributor
Posts: 13,617
Registered: ‎01-02-2011

Re: Equifax credit breach and placing a credit freeze


@Limbo4now wrote:

Don't think anyone should pay this Company. They are at fault. Funny any news about this has been buried.


All news has been buried under the hurricane coverage:/

Respected Contributor
Posts: 3,120
Registered: ‎04-17-2015

Re: Equifax credit breach and placing a credit freeze

[ Edited ]

@deepwaterdotter wrote:

Are freezes permanent after the initial payment, or must they be renewed after a specified period of time?


@deepwaterdotter, freezes are "permanent" until you unfreeze it. There is no time limit on freezing/unfreezing. Freezing and unfreezing fees depend entirely on the state you live in so you need to check your state's specs.

 

In my state, initial freezing of the 3 accounts cost me nothing. If I need to unfreeze them for a specific purpose, there is an approximate $5.00 fee for each of the 3 agencies, total $15. When I decide to freeze them again, it's the same $5.00 fee for each of the 3 agencies, total $15... and on and on, for as many times as I might need to do this. I noticed an option to unfreeze my accounts permanently if I choose to do so, although I don't know the difference between doing that and just leaving it in an unfrozen state....

Honored Contributor
Posts: 17,263
Registered: ‎03-09-2010

Re: Equifax credit breach and placing a credit freeze


@tansy wrote:

@deepwaterdotter wrote:

Are freezes permanent after the initial payment, or must they be renewed after a specified period of time?


The three I placed indicated they were permanent unless I requested an account to be unfrozen.  

 

I am 65 so maybe that's why I wasn't charged any fees.  


Fees are set by each state (yes or no fee).

☼The best place to seek God is in a garden. You can dig for him there. GBShaw☼
Valued Contributor
Posts: 626
Registered: ‎06-15-2010

Re: Equifax credit breach and placing a credit freeze

Tansy I agree the hurricane has top priority and I hope this is addressed and isn't old news. Not just a "We are sorry"

Honored Contributor
Posts: 23,338
Registered: ‎03-10-2010

Re: Equifax credit breach and placing a credit freeze


@tansy wrote:

 


@JustJazzmom wrote:

@lulu2 wrote:

@JustJazzmom

The link does not contain the article.


https://www.nytimes.com/2017/09/08/your-money/identity-theft/equifaxs-instructions-are-confusing-her...

 

This one should work.


I just froze my credit online using this link with the big three credit bureaus.  Very annoying that I had the most snafus with Equifax😏

 

I need to repeat the process with my husband's info and check on that fourth bureau.

 

@SeaMaiden -- FYI, I wasn't asked for any payment to do this.


@tansy  Thank you for that correction....I understood that you were charged a fee to freeze your account as well as to pause and or unfreeze it.  Thanks for the link!