Notice When the government or a company fks up with our information…. WE have to monitor it WE have to worry about, stress, pay for whatever issues, deal with it etc … If the WE mess up on our taxes We get fined We get jail time We get penalties No one will be held accountable The company that failed through negligence will say “ we apologize “ That’s it …. If we mess up and say sorry…. Fines $$$ or jail time Funny huh
When Equifax got hacked in 2017 they offered $125 however it wasn't easy to get and was for a limited time. They should be held accountable any company leaking info and not just for a limited time. I have heard a credit freeze can sometimes make your insurance go up as insurance companies use credit to determined rates.
If you put a freeze on one credit company, it should automatically freeze all three. I seem to always have a problem accessing at least one of the three. I don't understand why three credit companies are needed to monitor your credit. If it is like that, one account to access all three would make sense.
@@Theresalynn69 Agree. When I put my freeze on, 4 years ago, I think it was efax who asked me question that were unanswerable. Why do WE have to ask for more security on our data. Everyone should be getting the best security that is available!
If you put a freeze on one credit company, it should automatically freeze all three. I seem to always have a problem accessing at least one of the three. I don't understand why three credit companies are needed to monitor your credit. If it is like that, one account to access all three would make sense.
Yes, when it comes to governmental information. We should just process it in person. It’s clear that online information is a much greater risk for leaks.
Maybe it’s like banks - duck your funds out instantaneously, but take up to two weeks to “credit” you back, conveniently using your money to make interest
I don't know why everyone doesn't keep their credit frozen until they need to apply for something. It's better to be proactive than to add a freeze after something happens. Identity theft is too big of a problem to not worry about it.
I created an account with my email with all three credit agencies, but then got spam emails for a few days as a result. Slightly worried how/why my effort to improve security led to immediate spam/phishing emails.
@@christiansanchez1578This is incorrect. Freezing your credit DOES NOT affect your credit score. What it does is inhibit (stop) someone from being able to open financial accounts in your name / with your SSN, as well as inhibit anyone running a credit report against your name / SSN (which would provide them with even more personal information).
Notice
When the government or a company fks up with our information….
WE have to monitor it
WE have to worry about, stress, pay for whatever issues, deal with it etc …
If the WE mess up on our taxes
We get fined
We get jail time
We get penalties
No one will be held accountable
The company that failed through negligence will say “ we apologize “
That’s it ….
If we mess up and say sorry…. Fines $$$ or jail time
Funny huh
Yep meanwhile the real criminals run free!!!
(Unless your Father is Prez)
It’s economic stealth w4r
When Equifax got hacked in 2017 they offered $125 however it wasn't easy to get and was for a limited time. They should be held accountable any company leaking info and not just for a limited time. I have heard a credit freeze can sometimes make your insurance go up as insurance companies use credit to determined rates.
The 3 credit agencies should freeze or a fraud alert on everyone’s credit data.
If you put a freeze on one credit company, it should automatically freeze all three.
I seem to always have a problem accessing at least one of the three. I don't understand why three credit companies are needed to monitor your credit. If it is like that, one account to access all three would make sense.
@@Theresalynn69 Agree. When I put my freeze on, 4 years ago, I think it was efax who asked me question that were unanswerable. Why do WE have to ask for more security on our data. Everyone should be getting the best security that is available!
Why do these three private credit reporting agencies have so much power over private citizens finances?
If you put a freeze on one credit company, it should automatically freeze all three.
I seem to always have a problem accessing at least one of the three. I don't understand why three credit companies are needed to monitor your credit. If it is like that, one account to access all three would make sense.
Things where much safer when information was kept on paper records
Yes, when it comes to governmental information. We should just process it in person. It’s clear that online information is a much greater risk for leaks.
Agreed 💯
@@siabae3322but the govt will just digitize it anyway, and they’re careless with it.
Couldn't someone with all your data be able to unfreeze your credit?
when you freeze your credit each bureau gives you a generated codes that's required to unfreeze your account again
Maybe it’s like banks - duck your funds out instantaneously, but take up to two weeks to “credit” you back, conveniently using your money to make interest
But what if they hack them and they get the codes
@@cosmicwishboneand they probably send it to you through email soooo.....
@@NoName-zb1op a generated code means it happens then in there at that moment by phone or email.
NPD should have to pay for every person's service with all 3 bureaus to lock their data.
Half of the people will freeze their credit but then forget the login for the site. There unable to unfreeze their credit.
Equifax does not charge. Experian and Transunion charge a monthly fee.
I recently froze mine and Equifax was the only one that did charge - $10 a month to have an account with them. Experian and Transunion were free.
I don't know why everyone doesn't keep their credit frozen until they need to apply for something. It's better to be proactive than to add a freeze after something happens. Identity theft is too big of a problem to not worry about it.
The credit bureau website is frozen... Lol seriously...
not like it can handle every single american trying to deal with it at the same time.
Same here, frozen.
same here - experian website is frozen too.
@@maclura 🤣😂
Yeah same thing happened when Equifax was hacked in 2017
Pretty funny since some of the hackers are us based too. Their own ssn got leaked
I think it's people in other countries really.
I created an account with my email with all three credit agencies, but then got spam emails for a few days as a result. Slightly worried how/why my effort to improve security led to immediate spam/phishing emails.
Will it effect your current loans etc?
Nope
Does freezing it affect credit score? And I hear that even if it’s frozen someone can still open credit account to under your name
Yes that’s correct ! If you do anything ! Freeze , closed , it messes up your credit for sure !!!
@@christiansanchez1578This is incorrect. Freezing your credit DOES NOT affect your credit score. What it does is inhibit (stop) someone from being able to open financial accounts in your name / with your SSN, as well as inhibit anyone running a credit report against your name / SSN (which would provide them with even more personal information).
@@christiansanchez1578no it does not.
Wait so this only applies to just Ohio residents,?
No it applies to anyone with a ssn
You have to pay for a monthly subscription in order to lock your account.. Not Cool
No you don’t, I did it, go directly to,the credit reporting agencies. Sounds like you went through a scam site
How? @@adrianacueto-vannucchi8160
Good government bs they should stop credit scores now get bacj to basics
The only way to be safe no online no mail . Mine is only by mail and phone . If they try good luck scammers try me let see 👎👹🤮😈