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| Topic | Credit freezes are now free in the US per federal law |
| Giant_Aspirin 09/21/18 8:00:26 PM #1: | https://www.consumer.ftc.gov/blog/2018/09/free-credit-freezes-are-here?utm_source=govdelivery you may now freeze (or unfreeze) your credit accounts at zero cost in the US. this stops new lines of credit from being opened. companies must comply within one business day of your request to freeze, and within one hour (wow!) of your request to unfreeze. this is worth doing imo. opening a new line of credit doesn't really require that much identity confirmation and with how frequently places get hacked anymore, your information is almost guaranteed to be out there, especially after the Equifax breach. putting a freeze on means even when (not if) identity thieves use your information, it won't work. in the event that you do want to open a new credit card or get a car loan, it only takes ~1h for the freeze to be lifted, then you reapply it after things are taken care of. --- Playing: Dead Cells; Xenoblade 2; Mario Odyssey (~);} - I suppose it will all make sense when we grow up - {;(~) ... Copied to Clipboard! |
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