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What does it mean to “lock your credit”?

Locking your credit prevents anyone, including lenders, from issuing you credit, legitimate attempt or not. This will stop anyone (even you) from opening credit cards, getting loans, etc.

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whynotaduck.bsky.social•3 days ago

Another silly question: Is there a concern that Musk can manipulate our credit?

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bizthenavigator.bsky.social•3 days ago

I think the worry is that it's so up in the air with what he can/is doing. He's got his fingers all over people's tax info, social security info, etc, and the 19 year old blow hards he's hiring who have absolutely no clue what they're doing. They could do damage without even knowing what they did

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1950oldlady.bsky.social•3 days ago

Google locking credit versus freezing credit. It explains it all.

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mgpie14.bsky.social•2 days ago

I did it this morning and activated my life lock

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kellyngrotto.bsky.social•2 days ago

You shouldn't have to pay for it. You can use credit karma for the two crappier ones (transunion and equifax) and sign up for experian separately. They send me notices for credit report changes.

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ewaavaeva.bsky.social•3 days ago

how does one lock their credit???

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isetthebouncybear.bsky.social•3 days ago

Further down in Webb’s post:

Freeze your credit individually at each bureau. It’s free:

• Experian: https://www.experian.com/freeze
• Equifax: https://www.equifax.com/personal/credit-report-services/credit-freeze
• TransUnion: https://www.transunion.com/credit-freeze

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demwriter.bsky.social•3 days ago

Done a while ago.

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schmetterling10.bsky.social•3 days ago

How can we protect retirement 401K accounts?

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datafourmiles.bsky.social•3 days ago

Yes. Easy to do and free.

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uncommonman1941.bsky.social•2 days ago

What does that mean?

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lpollock1.bsky.social•2 days ago

Freezing your credit means no one can have access to credit files. It’s like you are putting your credit history in a locked vault. No one can see it unless you unfreeze it (open the vault).

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uncommonman1941.bsky.social•2 days ago

I've worked in banks and brokerage for a long time. I don't know what process you follow to accomplish locking your credit, or what credit files are or whose history you're locking. There are several credit reporting companies and some derivatives. Maybe there's someone that has more info?

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lpollock1.bsky.social•20 hours ago

That’s their paid service but you don’t need that. The free service is under the search ‘freeze your credit’.

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lpollock1.bsky.social•20 hours ago

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lpollock1.bsky.social•20 hours ago

Go to the three main credit agencies Equifax, Experian and Transunion. On their websites search ‘freeze my credit’. They each have a page that explains it and walks you through the process. It’s easy. You can unfreeze it anytime you need to apply for a loan.

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uncommonman1941.bsky.social•20 hours ago

https://www.experian.com/protection/creditlock/?pc=sem_exp_google&cc=sem_exp_google_ad_1660548401_68156948145_459274193700_kwd-12401611_b___k_CjwKCAiA5eC9BhAuEiwA3CKwQjEknqDY6rW5TFYAUUFtMxYTi5A283FxdsfVLwbHoemJeTmfoNtiZRoC0z4QAvD_BwE_k_&ref=competitor&awsearchcpc=1&gad_source=1&gclid=CjwKCAiA5eC9BhAuEiwA3CKwQjEknqDY6rW5TFYAUUFtMxYTi5A283FxdsfVLwbHoemJeTmfoNtiZRoC0z4QAvD_BwE
It says it's $25/month after the first week.

I get almost all of the features from my bank, and whatever fee they want must be rolled in to what I'm charged, so I don't see it. Seems worth it if you can't get similar from your bank.

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kryztoff-minus.bsky.social•3 days ago

I hate it when people think they are making clever posts, and assume everyone knows what they are talking about. If you want people to do something, make sure you're clear about what you want them to do. It's that simple.

https://www.usa.gov/credit-freeze

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rattgirl.bsky.social•3 days ago

Equifax is currently unable to access the verification portion of their systems. That's nice.

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rattgirl.bsky.social•3 days ago

*Edit: only on phone lines. Went through no problem online.

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gmaconda.bsky.social•3 days ago

Thanks, from this old lady.

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wyonative75.bsky.social•2 days ago

Thank you.

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crabbyguy.bsky.social•2 days ago

So we have to do it thru one of the three major agencies anyway?

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kryztoff-minus.bsky.social•2 days ago

There may be something else listed on another site, but it does appear to be so.

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regis-greene.bsky.social•2 days ago

Like the .gov gives confidence anymore 😳

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kryztoff-minus.bsky.social•2 days ago

I could have gone with one of the sponsors on google, but this still seems more reputable than whatever a big business wants you to buy. Maybe the MAGATs didn't scrub this site yet.

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jerbear56.bsky.social•2 days ago

📌

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lorrainemontez.bsky.social•2 days ago

Thank you, and you can also lock your Social Security this way as well. Just go to the Social Security government site.

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lucyksy.bsky.social•3 days ago

A freeze is different from a lock.

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kryztoff-minus.bsky.social•3 days ago

Okay. Please explain the difference for everyone. Thanks.

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lucyksy.bsky.social•3 days ago

Have posted several links. You can also google it.

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kryztoff-minus.bsky.social•3 days ago

I did. This is what I came up with that wasn't a sponsored link. How about you stop being a dick? Just help people, like the old lady above, who thanked me for what I posted.

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coveredmywagon.bsky.social•3 days ago

📌

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theclintpodcast.bsky.social•3 days ago

I can’t stress this enough, you can lock your credit, but they already have access.

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adamlatigo.bsky.social•3 days ago

I just have a piggy bank but I'll seal that b up.

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katrina-cheshire.bsky.social•2 days ago

What does "lock your credit" mean?

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beeaditude.bsky.social•2 days ago

Here are links to FREEZE your CREDIT.
https://www.equifax.com/personal/help/article-list/-/h/a/place-lift-remove-security-freeze/

https://www.transunion.com/credit-freeze

https://www.experian.com/help/credit-freeze/

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katrina-cheshire.bsky.social•2 days ago

Thank you

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beeaditude.bsky.social•1 day ago

You're welcome :)

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radios2.bsky.social•3 days ago

Ok, but what if they shut these bureaus down?

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joiseydoc.bsky.social•2 days ago

Did it a long time ago.

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artist12.bsky.social•3 days ago

What do you know???

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farseeing.bsky.social•3 days ago

Yes, I have kept my credit locked for years, but I believe that if they want to get in and steal from me, locked credit will not stop them.

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jamialene.bsky.social•3 days ago

Maybe, but a lot easier to go after ones that haven’t locked theirs.

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dahloo.bsky.social•3 days ago

Done.

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starwalkers.bsky.social•3 days ago

🥶 ✅

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arthur--dent.bsky.social•3 days ago

https://www.transunion.com/credit-freeze

https://www.experian.com/help/credit-freeze/

https://www.equifax.com/personal/credit-report-services/credit-freeze/

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lowslowsteady.bsky.social•3 days ago

Thank you!

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auntiesnack.bsky.social•3 days ago

📌

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p-r333.bsky.social•3 days ago

Thank you for this! So helpful

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travelgnat.bsky.social•2 days ago

Placing a freeze on your credit is simple to put in place and to lift as needed.

Make sure you keep track of your login information ! Use a password manager so you can have complex passwords. As long as you have those, it’s easy to lift the freeze for a few days to apply for credit.

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complexyz.bsky.social•3 days ago

How to do it?

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missdane.bsky.social•2 days ago

Did it awhile back! Easy and you will feel at peace.

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boneidleben.bsky.social•2 days ago

We did also. Now we are in the process of requesting hard copy of our employment records from the Social Security Administration. With Musk getting into everything it’s best to secure as much documentation as possible.

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mmkat.bsky.social•2 days ago

You can create an account on http://www.ssa.gov and download it.

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lpollock1.bsky.social•2 days ago

I downloaded my SS info yesterday and it’s dated.

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annaslavin.bsky.social•3 days ago

I’m Australian but what does this mean? What credit? How do you lock it? I’m genuinely curious.

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chilicatsmom.bsky.social•3 days ago

No one has completely spelled out why????

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melilou21.bsky.social•3 days ago

So Elon and his team of little Shitlers can't open credit in your name. They have all of our information needed to do so.

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nezuh.bsky.social•3 days ago

Elon Musk now has all your banking and financial information.

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theweaseltimeline.bsky.social•2 days ago

Which means all sorts of mid level hackers have it now too

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lorrainemontez.bsky.social•2 days ago

It helps lockdown extra security on your credit. If you have something like Aura or an online security portal, they will help guide you through this as well. Everyone should also do this with their Social Security.

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forestbirdms.bsky.social•2 days ago

How do you "lockdown" your Social Security?

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lorrainemontez.bsky.social•2 days ago

You go to the Social Security government site and secure it just like you do your credit cards. If you don’t have an account on it’s very easy to create and it’s a super friendly site.

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gstam11.bsky.social•3 days ago

How do I do this?

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snooksmcdermott.bsky.social•3 days ago

https://www.usa.gov/credit-freeze

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gstam11.bsky.social•3 days ago

Thanks so much!

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dan-marq.bsky.social•3 days ago

Elon Musk has waisted a billion dollars of taxpayers money for on his corrupt companies.

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chestnutt71.bsky.social•3 days ago

Why?

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duchess13.bsky.social•2 days ago

DONE👍🏻👍🏻👍🏻

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maxinecora.bsky.social•3 days ago

Honest question: would locking credit really be able to stop them? I guess I’m not sure how it would given that they just keep acquiring access regardless whether they have permission…

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chipster56.bsky.social•2 days ago

Done

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zen1924.bsky.social•3 days ago

I did it, but why? And why now?

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blessyaheart.bsky.social•3 days ago

COPIED:

“Because DOGE has access to our tax information and our social security information. Anyone with that can apply for credit with our information.”

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livedlearned.bsky.social•3 days ago

Already did!

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graceshelleyart.bsky.social•2 days ago

What does lock your credit mean?

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beeaditude.bsky.social•2 days ago

Here are links to FREEZE your CREDIT.
https://www.equifax.com/personal/help/article-list/-/h/a/place-lift-remove-security-freeze/

https://www.transunion.com/credit-freeze

https://www.experian.com/help/credit-freeze/

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sgtbaxter.bsky.social•2 days ago

You can lock your credit with the credit bureaus, which means nobody can open credit in your name as credit vendors cannot access your credit file.

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notthatwaymissy.bsky.social•3 days ago

mine's been locked since they were hacked back some years ago. if you need it unlocked for whatever reason you can request it be unlocked then locked again on a specific date.

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azuredreamer24.bsky.social•2 days ago

Done!

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krysblue4.bsky.social•3 days ago

HOW?!?!?!

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lovewins7.bsky.social•3 days ago

Go to the websites for Equifax, Experian, and Trans Union, create an account and follow the instructions to place a freeze. They make it pretty easy to do. You must do all 3 sites.

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krysblue4.bsky.social•3 days ago

Hey, thank you!!! What exactly does that do?

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lovewins7.bsky.social•3 days ago

It prevents anyone from using your credit info to open new accounts and steal your info. With Doge taking our sensitive data and exposing it on unsecured servers etc anything could happen.

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krysblue4.bsky.social•3 days ago

Thank you! Hey, can I ask you something else please? How do I send you a private message on here! And thank you again!

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lifeslesson.bsky.social•2 days ago

Smart thinking. I locked mine today.

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tinalq.bsky.social•3 days ago

👍

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oneserenitynow.bsky.social•3 days ago

Posted this the other day.

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6aces.bsky.social•2 days ago

Experion
TransUnion
Equifax

It's easy and free.

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drakenknight.bsky.social•3 days ago

Locked it with all 3 bureaus last week when DOGE got access to SSNs at SSA/Treasury.

Pulled 2 weeks pay in cash out of the bank the other day cause I wouldn't be surprised if/when they go after FDIC

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dergrexxie.bsky.social•3 days ago

The FDIC bailed out the badly crypto overloaded Silicon Valley Bank customers, many of them Tech Bros. What idiotic ingrates! Cryptocurrency is backed by USD, and they want to kill the dollar and go exclusively crypto. 🤦‍♀️ 🤦‍♂️ 🤦‍♀️

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carmensue.bsky.social•2 days ago

I did too!

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fog627.bsky.social•3 days ago

Done✅✅

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ecitizen1.bsky.social•3 days ago

Good advice. How do we do that?

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oneserenitynow.bsky.social•3 days ago

Go to each credit report website. Make sure you’re on THAT website, NOT an advertisement. Follow the prompts to lock your credit. You’ll get a PIN so make sure you keep it. IF you needs to unlock for a new loan or credit card, just go back in and lift for a few days & have it relock. Easy breezy.

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project-life.bsky.social•3 days ago

That's the neat part, you can't. You can put a temporary hold on their slanderous stories about someone who might be you, but you can't stop them from saying it's you.

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oneserenitynow.bsky.social•3 days ago

Locking your credit keeps someone from taking credit cards or loans out in your name. It doesn’t keep them from stealing your identity BUT the credit companies WILL notify you IF someone tries.

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dangerjane.bsky.social•2 days ago

LifeLock is worth every penny

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kellyngrotto.bsky.social•2 days ago

Not if the gov has their way.

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dangerjane.bsky.social•2 days ago

I suppose, but messing with independent business is low on the pole of fuckery

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rob772.bsky.social•3 days ago

Mine has been locked (all 3 reporting agencies) since Equifax breach in 2017

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truebluevt.bsky.social•2 days ago

Done, done, done, & done -- for me, my spouse, my kids, my elderly father. Precaution to all - freezing is free but a PITA to figure out as every site tries to sell you some "lock" or identity theft product. Look or search for "freeze" on each site. Keep passwords to unlock if needed! #CreditFreeze

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thiskingkong.bsky.social•2 days ago

Anybody else concerned that the IRS has directly deposited refunds into bank accounts and now F-elon or D-bros might gain access to those accounts?

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larkspur64.bsky.social•3 days ago

Buy local, but avoid Maga owned!

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marymargaret45.bsky.social•2 days ago

Please explain "lock your credit". I don't know the meaning.

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lightmangibson.bsky.social•3 days ago

Did it today!! Thanks!! I also printed out my latest social security statement, in case the site goes down.

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devikk.bsky.social•3 days ago

And while you’re at it, if you have any type of banking information attached to any of these government services, you might wanna call and get that changed as well. Set up a new checking account savings account debit card whatever financial information you have linked to the government.

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design3.bsky.social•3 days ago

Bankruptcies will soar this year

watch

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moriffic.bsky.social•2 days ago

How ?

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tracymom.bsky.social•3 days ago

Thanks!

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pexsy.bsky.social•3 days ago

Credit's been locked for at least a decade so no worries there

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sigviking.bsky.social•3 days ago

Did that years ago

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suzijustkindperson.bsky.social•3 days ago

What does this mean?

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traciesocial.bsky.social•3 days ago

If they have already gotten into government accounts, and likely have hacked other computer programs, will a freeze on credit reports even stop them from getting past a layer like this? It's good to have anyway, but considering what's been happening, will it matter?

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digitalramble.bsky.social•3 days ago

we should be rioting in the streets by that point

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booradley1961.bsky.social•2 days ago

Done it!

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thearchitect237.bsky.social•3 days ago

always!

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kelonwheelz46.bsky.social•2 days ago

I froze all but TransUnion. It just keeps saying error. I did this right after the Treasury invasion.

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timeformoretea.bsky.social•2 days ago

Same! Though mine says I already have an account. That's possible.

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kelonwheelz46.bsky.social•2 days ago

Mine did too!! I did a live chat and he said they're having tech difficulties. He got the freeze put on though. It's not 💯 but it's something. My FICO dropped 17 points on 2/17 and 25 today. I've been over 800 for 3 years... Until now. Just seems weird.

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napeungae.bsky.social•2 days ago

Mine has been doing the same thing. Dropping for no reason.

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kelonwheelz46.bsky.social•2 days ago

Ughhhhhh wth is going on. I told them nothing has changed on my end except the president.

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timeformoretea.bsky.social•2 days ago

If you buy some of the credit checking services, they can pull your credit wrong. If they pull it like it's for a loan and not for you personally -- those pulls will absolutely knock points off your score.

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millielou1.bsky.social•3 days ago

We can only hope that their gross incompetence will prevent them from doing more damage than they might've if they had brains and were the least bit organized. #DOGEbags #JVLeague

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jinxzodswgoh.bsky.social•3 days ago

Is it fairly easy to unlock if needed?

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aliceneel.bsky.social•3 days ago

Yes

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titanessthemis.bsky.social•3 days ago

Just make sure you have the numbers they give you to do so.

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kealakekua007.bsky.social•2 days ago

I did.

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biglens.bsky.social•2 days ago

Done✅

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ebwrite.bsky.social•2 days ago

I read about it and I don’t see how this will help. Also, freezing rather than locking seems to be more secure.

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lisatheeditor.bsky.social•2 days ago

YES. Already did it.

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nymelb86.bsky.social•3 days ago

Done

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pinnietail.bsky.social•3 days ago

✅

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siobhanison.bsky.social•2 days ago

It takes about 2 minutes per. You can do it while sipping a coffee.

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beeaditude.bsky.social•2 days ago

Here are links to FREEZE your CREDIT.
https://www.equifax.com/personal/help/article-list/-/h/a/place-lift-remove-security-freeze/

https://www.transunion.com/credit-freeze

https://www.experian.com/help/credit-freeze/

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cagal.bsky.social•3 days ago

Locked for several years now!!!!!

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trishmcd1981.bsky.social•3 days ago

Froze it long ago. I worry about the FDIC abandoning banks. F47 is crazy for crypto.

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aimhi869.bsky.social•3 days ago

Yup moved my money to a credit union.

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ahmenard.bsky.social•3 days ago

Please educate me...why a credit union is better if FDIC goes away? Thanks!!

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elizajayne.bsky.social•3 days ago

Credit unions have a different insurance but it's like the FDIC. Not sure it will matter in the long run though.

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ahmenard.bsky.social•3 days ago

Thanks. I'm wondering if I should just take it out and put it under my pillow now 😳😳😳

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elizajayne.bsky.social•3 days ago

I'm wondering the same thing. I feel like a crazy prepper now LOL. Have food, water, some cash, first aid supplies, fuel, etc.

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greyallday.bsky.social•2 days ago

Super easy to do. It's just one more way to protect your credit and assets.

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theoceanbutterfly.bsky.social•3 days ago

Just did!

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cjmonty.bsky.social•3 days ago

Thank you.

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takenoprisoners.bsky.social•2 days ago

Done 👍

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its-its.bsky.social•2 days ago

If your parents are old, LOCK THEIR CREDIT. If you have a child, LOCK THEIR CREDIT. I also closed the bank account that the Treasury was tied to. I won't send a digital payment, they can wait for a paper check and send me a paper check.

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bathory1971.bsky.social•2 days ago

If it's SSI, SSDI, not sure about Social Security, they just won't pay you until you do open up a direct deposit into a bank account! Just FYI!

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mbindigo.bsky.social•2 days ago

Open a bank account that only has those payments put into it. Don't risk any of your other money. It's a pain, but better than losing it all.

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bathory1971.bsky.social•2 days ago

I already did that way before this came about. Have several different accounts.

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meanneighborlady.bsky.social•2 days ago

Of course a paper check has your routing and account number on it.

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its-its.bsky.social•2 days ago

Cashier's check? Money Order? Do they still sell those at 7/11?

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meanneighborlady.bsky.social•2 days ago

I think banks have those too.

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acuriouscolor.bsky.social•2 days ago

I just had my bank close the account I had previous tax refunds sent to and open a new one. I froze my credit too. Doing paper checks for taxes this year.

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secretsquirre1.bsky.social•3 days ago

Fix mine first lol

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romyjaxson.bsky.social•3 days ago

Hahaha right?

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mrsjcm.bsky.social•2 days ago

Done!

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witchymama23.bsky.social•3 days ago

Withdraw your retirements immediately. Take the penalties. Do not put the money in banks. Buy gold. Extreme times require extreme measures.

Not financial advice. Do whatever you want. Just food for thought. You can always re-invest in the unlikely event the system doesn't collapse.

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getbackup.bsky.social•2 days ago

Done.

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mdashe.bsky.social•2 days ago

I followed this advice today and urged all my family members to do the same.

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tammy4525.bsky.social•2 days ago

Please explain what lock your credit is about? 🤔

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bluegal.bsky.social•2 days ago

Visit all three credit agencies (google it) and set a lock so no one can take out a loan using your social security number. It's done online and it's fairly simple. You can unlock your credit temporarily when you yourself want to apply for a loan.

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tammy4525.bsky.social•2 days ago

Thank you very much! Knowledge is power! 💯💯💯💯💯

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kellyngrotto.bsky.social•2 days ago

Actually it's a freeze and add a statement.

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falseindigo.bsky.social•2 days ago

Does anyone here know if we should be concerned about eln getting into our retirement like Voya etc?????

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dangerjane.bsky.social•2 days ago

Someone please answer!!

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kellyngrotto.bsky.social•2 days ago

Anything is possible. Make sure you can add a two step authentication and be careful of what accounts are linked for deposit and withdrawal.

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falseindigo.bsky.social•1 day ago

Is it possible to transfer retirement to a Canadian company? Asking for a friend..

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davis23patrice.bsky.social•2 days ago

Done!

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thogan0516.bsky.social•3 days ago

So what happens when you freeze or lock your credit? Does that mean you can no longer use your credit cards? What advantage does it give you? Why is it necessary. I know musk has our info but why do we assume he will fork with our credit?

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pbcf.bsky.social•3 days ago

You can still use your cards. These prevents someone from applying for credit in your name. Protects against ID theft.

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stakanmoloka.bsky.social•3 days ago

It adds a step to using opening new lines of credit like buying a car or a house. I actually locked my credit years ago and recently bought a car and no action was necessary... As I recall, in the past, you needed to temporarily unlock it. Maybe it has become even easier now and I wasn't aware

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thogan0516.bsky.social•3 days ago

He literally looks like what pops into my head when I think of the word idiot. How much are we paying these a$$holes?

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good50.bsky.social•3 days ago

What do you mean?

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vinylgyroid.sparkle.blue•3 days ago

I literally just got approved for my first credit card, so I don’t have enough established credit to freeze through Expedian. However I was able to freeze my Equifax and TransUnion. How scared should I honestly be?

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erma-gerd.bsky.social•3 days ago

What does that mean

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lindascats.bsky.social•3 days ago

Already did.

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dootzie61.bsky.social•3 days ago

Yep - me too!

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nanswak.bsky.social•3 days ago

Definitely yes 👍🏻

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wmn4srvl.bsky.social•3 days ago

What does this mean and how do you do it? And why?

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bookstorememoir.bsky.social•3 days ago

You freeze your credit @ the 3 credit bureaus--prevents any new credit accounts from being created in your name while helping prevent identity theft.

Experian: https://www.experian.com/freeze
Equifax: https://www.equifax.com/personal/credit-report-services/credit-freeze
TransUnion: https://www.transunion.com/credit-freeze

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alv1966.bsky.social•3 days ago

THANK YOU for providing the links!

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meanneighborlady.bsky.social•2 days ago

Equifax jesus shit christ. I couldn't remember my password. FOllowed the 638 steps to set up a new one. Then as directed back to the log in page it says "we're sorry we don't have that email and password. Your account will lock after 3 tries. Followed the steps again.. same shit.

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bookstorememoir.bsky.social•2 days ago

I'm so sorry. Have you tried phoning them?

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bluekatie64.bsky.social•2 days ago

Mine has been frozen since January 20th 2025

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drpattylew.bsky.social•2 days ago

Already done. Transunion, Experian and Equifax.

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lunarhexagon.bsky.social•3 days ago

Don’t need to lock your credit if your credit is total shit. So, I’m good there.

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snowfem.bsky.social•2 days ago

How?

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beeaditude.bsky.social•2 days ago

Here are links to FREEZE your CREDIT.
https://www.equifax.com/personal/help/article-list/-/h/a/place-lift-remove-security-freeze/

https://www.transunion.com/credit-freeze

https://www.experian.com/help/credit-freeze/

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thejestercrow.bsky.social•2 days ago

Lookup the official webites for
- https://Equifax.com
- https://Experian.com
- https://Transunion.com

Create an online account with each. Dig your way around and you'll find an option to freeze your credit. It is free. They might offer it as part of a paid subscription package but a freeze by itself is free. /1

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prairielife.bsky.social•2 days ago

Thank you!!

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thejestercrow.bsky.social•2 days ago

Once frozen, no one can use your credit info. That goes for you, too, meaning that if you apply for a loan or more credit on your credit card(s) you'll need to temporarily unfreeze your credit with all three agencies.

Also - don't trust anything on those sites. Those companies are pure shit. /2

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thejestercrow.bsky.social•2 days ago

They elected themselves judge, jury, & executioner over your financial life and basically make you and others pay to exist. What they do ought to be a free public service in control of the government. The credit bureaus are vultures out to monetize your bones & will rob you blind in a minute.

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kittensnchickens.bsky.social•2 days ago

Just to add to this- it doesn't block EVERYTHING, but it does a lot. Also add a fraud alert and renew it once a year so it doesn't expire. The freeze blocks your credit report from being accessed by companies that you do NOT already have a relationship with.

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travelgnat.bsky.social•2 days ago

That may be partially true, but when I have applied for credit cards with the company where I already have credit cards I still have to lift the freeze. I think policies vary.

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kittensnchickens.bsky.social•2 days ago

Good to know! ❤️

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kittensnchickens.bsky.social•2 days ago

Phone service providers and buy now pay later services can open accounts without pulling your credit report but it will go on your credit if it gets sent to collections. Call and speak to Fraud or Disputes if that happens.

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lstntome.bsky.social•3 days ago

I have done it and made sure my bestie did. She fought me, but did it. I have told others, not even cult members, but they argued and said it isn’t necessary🤦‍♀️ It should be done no matter what anyway.

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plantscatsandbooks.bsky.social•3 days ago

Already locked. Supposedly.

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grandmainfl.bsky.social•3 days ago

Thank you.

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workerforjustice.bsky.social•2 days ago

Thanks. Just locked mine. Again thanks!!!

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dianesky33.bsky.social•3 days ago

📌

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amandajalonso.bsky.social•3 days ago

Don't let anyone tell you Elon has done no good. Because of him, I've locked down all my credit (should have been done long ago) and sold all my Tesla stock after his lil salute. Put that sell order in after hours and was out the next morning. #silverlinings Assholes are good 4 something.

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bathory1971.bsky.social•2 days ago

If you check on a daily basis all of your financial accounts and act upon anything suspicious paid out, you do have a right to deny it for now.

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zoewashburne.bsky.social•3 days ago

What a nightmare trying to lock down the spousal unit's credit - they require a cell phone which he does not have. Jumped through hoops but got it done. Locked down our house title; if someone tries to take it, we get informed- everyone should check w/ their county to see if they offer this service

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magicalorangeme.bsky.social•2 days ago

How did you get it done without a cell phone? My mom doesn't like to use hers except for emergencies.

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zoewashburne.bsky.social•2 days ago

Had to call and give them all sorts of information and then they spoke to the spousal unit to get permission for me to speak with them to set up the account. We're using his email address for verification

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magicalorangeme.bsky.social•2 days ago

Thank you

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bxpizzawhisperer.bsky.social•3 days ago

Can you please tell me how to lock my credit?

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blahblahblahyaknow.bsky.social•3 days ago

Freeze your credit individually at each bureau. It’s free:

• Experian: https://www.experian.com/freeze
• Equifax: https://www.equifax.com/personal/credit-report-services/credit-freeze
• TransUnion: https://www.transunion.com/credit-freeze

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bxpizzawhisperer.bsky.social•3 days ago

Thank you.

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onetruepatriot.bsky.social•1 day ago

I did this after my info was found on the dark web through a data breach of a medical site...

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bxpizzawhisperer.bsky.social•1 day ago

Thank you. I had someone use my SS# to file their taxes. I know my taxes are protected.

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sashasmimom.bsky.social•3 days ago

Go online to Experian, TransUnion & Equifax. Search for credit freeze on each site. Follow the directions. Takes maybe 5 minutes.

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kimposble.bsky.social•3 days ago

Done ✅

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bxpizzawhisperer.bsky.social•3 days ago

Thank you.

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themel.bsky.social•3 days ago

Why? What makes any credit reporting agency immune from the no-push-back takeover of our data that has already occurred?

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jamialene.bsky.social•3 days ago

So far, they are getting into federal data, not these businesses.

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baltimorron.bsky.social•2 days ago

Done!!!

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howdoiblockmyself.bsky.social•3 days ago

Credit freeze. 12yrs ago gave police a full report and filled out, I think the fed forms.
I'm pretty sure every piece of paperwork and report was deposited in circular file. Yep, freeze credit. Check credit report or have notification of change. Get a passport.

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badlarry420.bsky.social•2 days ago

I froze it, is that the same? 😝 serious question

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spiceyhag.bsky.social•2 days ago

Yes

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denheels.bsky.social•2 days ago

I did after the Equifax breach a long time ago. It cuts down on junk mail as well.

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dgee1.bsky.social•3 days ago

Freezing access to your credit report isn't hard, but requires, creating an online account at all 3 agencies then designating your credit as frozen. If you need to apply for a loan, credit card etc., you have to go to your accounts and unfreeze them while a credit check is being run. Then, refreeze!

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resiliencenews.bsky.social•2 days ago

Don't pay Experian and Transunion to lock your credit -- just use the free "freeze" instead. The credit bureaus will try to scam you out of money.

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resiliencenews.bsky.social•2 days ago

BTW, since we're talking about freezing accounts at the credit bureaus to protect them, did you know the credit bureaus can SELL your information to companies who will harass you with misleading "offers" of credit or insurance unless you "opt out"? To opt out: https://www.optoutprescreen.com

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thiskingkong.bsky.social•2 days ago

Consumer Reports also makes a non-profit app called Permission Slip where you can request deletion of account data or opt out of sharing your data from companies and data brokers.
Check out Permission Slip by CR: https://permissionslipcr.com/download.php

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aleks-lorraine.bsky.social•2 days ago

Yes! I’m in the process of applying for a mortgage and my info was sold by credit bureau. I got over 75 calls on day 1 and about 20 texts. I’m going to freeze my credit as soon as we close on the house. And I requested to block these calls for 5 yrs.

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lorihjschaffer.bsky.social•2 days ago

So now do the gloves finally come off? Will MAGA Seniors who voted for Trump finally see the light? Or will MAGA remain in denial and the rest of us indifferent? https://www.newsweek.com/social-security-warning-issued-benefits-interruption-2032594?fbclid=IwY2xjawIiPdxleHRuA2FlbQIxMQABHcV7rnj45yZ9LJyQtlbnSSl-jNyz9btuJ_Uj-3PU6K4ncdM18yRKQzZOCw_aem_rJV6bY4TG8V6ziDlEHDxcQ

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lorihjschaffer.bsky.social•2 days ago

https://www.kiplinger.com/taxes/musk-doge-target-irs-tax-records

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lorihjschaffer.bsky.social•2 days ago

https://talkingpointsmemo.com/edblog/doge-busts-its-way-into-social-security-administration

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lorihjschaffer.bsky.social•2 days ago

In an illegal invasion of our privacy, Elon Musk and DOGE have accessed all our personal social security & bank account numbers on file with the IRS. Freeze your credit now, with all 3 credit companies, to protect against fraudulent use of this information. https://consumer.ftc.gov/articles/credit-freeze-or-fraud-alert-whats-right-your-credit-report

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andreaschulz.bsky.social•2 days ago

freeze not lock. freeze is free. lock is not free.

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mnthndr.bsky.social•3 days ago

What does that mean?

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camillesharon.bsky.social•3 days ago

Experian isn’t working right now. The other two were no problem.

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cposz.bsky.social•2 days ago

Did it. Today.
Our financial advisor offered the same recommendation.

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sharonsf.bsky.social•3 days ago

We paid everything off under Biden including working on the outside of our house. The rest will get done once we have a normal president back in office

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thedaddoo.bsky.social•3 days ago

I’m so looking forward to that and hoping it happens again in our lifetimes. 🤞

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circenightshade.bsky.social•3 days ago

SAME. Largely debt free. I do need to pay for a new roof, tho. 😞. It's a necessity.

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sharonsf.bsky.social•3 days ago

I got mine while Biden was still in office

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sharonsf.bsky.social•3 days ago

We did

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nickmas.bsky.social•3 days ago

Just did it minutes ago

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str8outabklyn.bsky.social•3 days ago

Done done done

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dawnalene.bsky.social•3 days ago

📌

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theweaseltimeline.bsky.social•2 days ago

Freezing your credit works too. Takes 10 min

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jacktorwho.bsky.social•3 days ago

I don't know what that means, let alone how to do it.

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never2old2resist.bsky.social•3 days ago

You go to the three credit bureau sites, create an account, and then go to the menu where it says freeze credit account.

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snooksmcdermott.bsky.social•3 days ago

https://www.usa.gov/credit-freeze

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jacktorwho.bsky.social•3 days ago

THANKS!

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laurajpdx1.bsky.social•3 days ago

Same.

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ponyspaws.bsky.social•3 days ago

All three of mine have been locked for over 6 months as a matter of principle.

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pintoman99.bsky.social•3 days ago

Voughts home is listed on Google...

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maximustm.bsky.social•3 days ago

We did exactly this a few days ago. Smart move everyone should consider.

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maverickgator.bsky.social•2 days ago

Yes, my ID was stolen for a PPP loan that was fraudulent. They garnished my Social Security Disability. What a pain in the ass. And its next to impossible to prove a negative, like, I did not take out a loan.

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de24.bsky.social•3 days ago

I have.

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therealjohnconnor.bsky.social•3 days ago

Abolish credit scores

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chabichabi.bsky.social•2 days ago

How do I do that?

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beeaditude.bsky.social•2 days ago

Here are links to FREEZE your CREDIT.
https://www.equifax.com/personal/help/article-list/-/h/a/place-lift-remove-security-freeze/

https://www.transunion.com/credit-freeze

https://www.experian.com/help/credit-freeze/

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techiethomas.bsky.social•2 days ago

Look for "freeze credit" or search for it within each credit company's website. Freezing allows you to freeze your account. You will be notified if anyone tries to obtain credit using your personal information. You can temporarily unfreeze your credit accounts if you apply for credit.

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aliciaspan.bsky.social•2 days ago

I made a quick guide for freezing your credit:

https://docs.google.com/document/d/11fhu-LaDwztcRTJLB6clzB1Aahp56662V1HWbgIrC-8/edit

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zorrobluefox.bsky.social•3 days ago

Mines been locked .. since MAGATs Scammed me in 2021 ..

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gloads.bsky.social•3 days ago

SMS 2FA codes is likely why DOUGE wanted our cellphone info!

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koolfooltattoo.bsky.social•3 days ago

Equifax is not very user friendly when it comes to phone calls.

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theeduchess.bsky.social•2 days ago

I hate to sound naïve, but how does this protect us from what doge is doing?

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travelgnat.bsky.social•2 days ago

If your information gets compromised and someone tries to open credit in your name, they won’t be able to run a credit check and you’ll get a notification ( or 10) that they tried.

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redletrcrusader.bsky.social•2 days ago

Yeah, they don't seem super invested in following existing law.

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timeformoretea.bsky.social•2 days ago

It slows down people opening new loans or lines of credit in your name.

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the-dudemeister.bsky.social•3 days ago

https://www.creditunionsonline.com/

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abbylynn55.bsky.social•3 days ago

I told everyone to do it. I have had mine locked for months.

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realmikemorin.bsky.social•2 days ago

📌

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reinashae.bsky.social•2 days ago

Done!

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greeneyedkatie.bsky.social•3 days ago

Is this truly necessary? I mean at this point I don't think much matters.

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jovicat.bsky.social•3 days ago

Credit is locked!

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melilou21.bsky.social•3 days ago

I locked mine. I have a question though. My young adult kids...should they lock theirs? They're still building credit so it isn't great. Is it still a good idea to lock it while they're working on building it?

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laurenandcatss.bsky.social•3 days ago

Yes. Locking it will prevent them, or someone else, from opening new lines of credit in their name. If they have cards, loans now it’s fine. If they don’t and want to open a line of credit do it now then freeze it.

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melilou21.bsky.social•3 days ago

Thanks! I'll pass this on to them. I appreciate you taking the time to answer my question.

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laurenandcatss.bsky.social•3 days ago

No problem!

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homerharlequin.bsky.social•2 days ago

Also have them set a Fraud Alert.

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fiddledeedee1.bsky.social•3 days ago

It’s a bit ironic, but I just did that. lol

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jerseybeachlover.bsky.social•3 days ago

Just did it.

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lizziebeth1.bsky.social•3 days ago

I just did this thanks to Christopher Webb

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warainmaker.bsky.social•3 days ago

Uh Oh! I forgot about LexisNexis. In addition to my note about Innovis you can also place a credit freeze at LexisNexis.

https://consumer.risk.lexisnexis.com/freeze

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warainmaker.bsky.social•3 days ago

Don't forget Innovis. Besides the Big Three of Equifax, TransUnion and Experian they are a lesser-known player where you should place a security freeze on your credit.

https://innovis.com/personal/securityFreeze

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lovejoyrite.bsky.social•3 days ago

📌

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blahblahblahyaknow.bsky.social•3 days ago

Thanks, I had no idea.

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warainmaker.bsky.social•3 days ago

I went through this back in 2017. Some magazine article listed all the agencies where you could place a freeze. If you didn't catch my supplemental post, there's one more: LexisNexis.

https://consumer.risk.lexisnexis.com/freeze

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blahblahblahyaknow.bsky.social•3 days ago

Thank you!

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warainmaker.bsky.social•3 days ago

Add:
https://consumer.risk.lexisnexis.com/freeze

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floridagirlinnc.bsky.social•3 days ago

Thank you for sharing these! I had already frozen my credit at all three of the others but did not know about these.

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thogan0516.bsky.social•3 days ago

I feel stupid asking but what does this do and does it mean you can’t use your credit cards or say buy a car?

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warainmaker.bsky.social•3 days ago

2/2
There is a difference between a "hard pull" and a "soft pull" on your account by a creditor. I recommend reading info on the agency websites. The main point of the freeze is to stop someone who has your personal information from opening accounts or borrowing money in your name.

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warainmaker.bsky.social•3 days ago

You can continue using your credit cards as usual. If you freeze your credit with the agencies no one will be able to open an account in your name. If you need to open a new credit card account or buy a car ask which reporting agency they use and you can unlock it for access, then re freeze. 1/2

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alxindia.bsky.social•3 days ago

Same. Just did those two now.

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warainmaker.bsky.social•3 days ago

Of course, any account names, passwords and PIN numbers need to be stored in a safe place. I put freezes at all the agencies back in 2017 and had to unlock my Equifax account for the first time just two weeks ago. I think their processes are much easier than 8 years ago.

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sflavender.bsky.social•2 days ago

You can also contact Social Security and lock your #

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warainmaker.bsky.social•2 days ago

I did not know that. Here's a Social Security Administration pdf with the guidelines:
https://www.ssa.gov/pubs/EN-05-10220.pdf

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lostinthewoods1953.bsky.social•3 days ago

Cancel any and all unnecessary expenditures, tv,, phone, inter net, cut down on your meds.
You can no longer depend on SS. Very soon you will be living on what ever monies you have saved.
I don't expect to see my next check from Social Security.

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starchilddruid.bsky.social•2 days ago

What does that mean?

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theweaseltimeline.bsky.social•2 days ago

Go to the big 3 credit companies. Each website has a free “freeze credit” option. Once that is done, if anyone tries to access your credit they will get blocked. With mid coder Elon at the helm, all of our info will get hack. Protect yourself. We are on our own

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handleiam.bsky.social•2 days ago

And they can't hack into those systems?

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theweaseltimeline.bsky.social•2 days ago

Not easily. The point is, don’t be an easy target. Hackers want the fastest way in. Adding road blocks makes them go elsewhere

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lorrainemontez.bsky.social•2 days ago

Locking your credit means no one can go in and try to mess with it or mess with your credit score or anything like that. It does not mean you cannot use your credit cards. You can also lock your Social Security through the Social Security.

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toften2920.bsky.social•3 days ago

https://www.nerdwallet.com/article/finance/credit-lock-and-credit-freeze

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regis-greene.bsky.social•2 days ago

Ours have been locked down for a long time. I think everybody’s group insurance and medical records have long been hacked. I havent had confidence in security for aloooooong time. No entities dgaf about data security-there’s as no consequence to them. Stopped using debit cards long ago.

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racheldillin.bsky.social•2 days ago

Had mine locked since the last big credit agency hack or whatever.

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djwflorida.bsky.social•2 days ago

And checking accounts. In 2021 people were opening checking Accounts under my name and I was getting all these New Checks In the mail. Plus house loans, cars, etc.

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kellyngrotto.bsky.social•2 days ago

Oof and add a statement to your bureaus...I thought people had to add deposits to open accounts.

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illek10.bsky.social•2 days ago

Done!!!

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t42ne1.bsky.social•3 days ago

And don’t support their economy. Over 100M Never Trump Republicans, Indie and Dem voters can choose to spend their $$ where they want. For every $1 spent:

$1=100M
$10=$1B
S100=$10B
$1,000=$100B
$10,000=$1Trillion

Spend YOUR $$ wisely - avoid Meta, Google, Home Depot etc and others backing Trump.

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jodoit.bsky.social•3 days ago

And download your report!

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juli-alvarez.bsky.social•3 days ago

How do we do this? What about our bank accounts?

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muellershewrote.bsky.social•3 days ago

Each of the three credit agencies can freeze. Just call them. As far as bank accounts, I haven’t figured that one out yet. Like, how far do I go? Do I move everything to a credit union? Or buy diamonds and gold? I dunno.

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juli-alvarez.bsky.social•3 days ago

Thank you. I will advise everyone i know to do the same. I never thought I would see the day that I would need to be protected from my own government.

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sgtbaxter.bsky.social•2 days ago

ALSO!!!!!!!!!

Freeze chexsystems!!!

It is free just like the credit locks and prevents scammers opening a new bank account in your name.

Lots of people don't know this

https://www.chexsystems.com

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beeaditude.bsky.social•2 days ago

Yes! This.

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jackwrong.bsky.social•3 days ago

Did when I learned of the breach that occurred at #NationalPublicData

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libnurse71.bsky.social•2 days ago

Same

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clbluesteinauthor.bsky.social•3 days ago

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thedutchfoxx.bsky.social•3 days ago

Thanks for the info!

Another little tip: use DuckDuckGo or any other search engine instead of Google.

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hmabe.bsky.social•3 days ago

Why. Please explain

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jerseybeachlover.bsky.social•3 days ago

Because DOGE has access to our tax information and our social security information. Anyone with that can apply for credit with our information.

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hmabe.bsky.social•3 days ago

Thank you.

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badfur64.bsky.social•2 days ago

Done!
Done!
Done!
Done!
Done!
Done!
Done!
Done!
Done!

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b40girl.bsky.social•3 days ago

Been locked for years.

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haviland11.bsky.social•3 days ago

Did it!!

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bobvanbrabant.bsky.social•3 days ago

In four years, we'll have it fixed so good you won't have to vote anymore

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leighchevaux.bsky.social•2 days ago

Bastard

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never2old2resist.bsky.social•3 days ago

I did that about a year ago when there were some big data breaches.

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boover.bsky.social•2 days ago

trump has already issued a directive to his banking regulators to ease back on enforcement of FDIC rules...this means banks might not have the insurance or cash reserves needed if economic turmoil happens (and it will).

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skyla50.bsky.social•3 days ago

Check what this actually does- does not prevent some government agencies and others from being able to access..

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somertonem.bsky.social•2 days ago

True, but if your data ends up in John Doe's hands, credit locks will prevent problems.

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skyla50.bsky.social•2 days ago

Agree

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debcombs14.bsky.social•3 days ago

All ready have years ago when Anthem had a breach

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helenintile.bsky.social•2 days ago

What does ‘lock your credit’ mean?

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spiceyhag.bsky.social•2 days ago

Freeze it so companies can’t see your financial info. I don’t know why the push to do it.

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helenintile.bsky.social•2 days ago

I know what a freeze is - wanted to know what a LOCK is - they’re 2 different things.

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spiceyhag.bsky.social•2 days ago

Oh. Please let me know.

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helenintile.bsky.social•1 day ago

A lock is not allowing anyone other than you to perform a financial transaction in your name. I.e. open a new credit card, get a mortgage, withdraw funds from your accounts. A freeze shuts down use of your credit cards, etc completely where even you can’t use them. Hope that helps.

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kellyngrotto.bsky.social•2 days ago

Actually people can't open credit in your name without your permission. A company has to call you to see if you are legit opening credit. I had two losers try to open an Amex and later a bofa card in my name. I have a freeze in place so that was a big no to them.

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travelgnat.bsky.social•2 days ago

I wouldn’t trust that. I’ve been approved for multiple credit cards instantly online.

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helenintile.bsky.social•2 days ago

I’ve had similar experiences.

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kellyngrotto.bsky.social•2 days ago

Oh it flags and won't allow banks and financial institutions to approve. They have to contact me.

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birdermaria.bsky.social•3 days ago

Isn’t a “credit freeze” free, and has the same goal as a credit lock?

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califgal.bsky.social•3 days ago

✔️ Done.

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kristinfo.bsky.social•3 days ago

Difference between credit lock and credit freeze, anyone?

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cavepainter.bsky.social•3 days ago

I thought same

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snarkygolucky.bsky.social•3 days ago

Credit freeze is free. Credit lock is typically an “enhanced” service ($$) from the credit bureau.

You want the freeze. They’ll push the lock to the front first.

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rayosunlong.bsky.social•3 days ago

I locked my credit immediately after the election.

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movingbeyond.bsky.social•3 days ago

How?

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happywarrior24.bsky.social•3 days ago

There are three, Equifax, Trans Union & one other you should find all three from this page https://www.equifax.com/personal/credit-report-services/credit-freeze

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movingbeyond.bsky.social•3 days ago

Yes. I got it. Thx!

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sunny72.bsky.social•2 days ago

Freeze your credit individually at each bureau — you have to do it at all three. It’s free:

• Experian: https://www.experian.com/freeze
• Equifax: https://www.equifax.com/personal/credit-report-services/credit-freeze
• TransUnion: https://www.transunion.com/credit-freeze

reply

stormbrew.bsky.social•2 days ago

📌

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movingbeyond.bsky.social•2 days ago

Done!

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agilitypom.bsky.social•2 days ago

📌

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sciencyish.bsky.social•3 days ago

How and where?

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cinwitch.bsky.social•3 days ago

Did it!

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aliciaspan.bsky.social•2 days ago

I made a quick guide for freezing your credit:

https://docs.google.com/document/d/11fhu-LaDwztcRTJLB6clzB1Aahp56662V1HWbgIrC-8/edit

reply

its-its.bsky.social•2 days ago

This is brilliant. Thank you for doing this.

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eyounts7.bsky.social•2 days ago

Omg thank you so much!!

reply

tomatobasket.bsky.social•2 days ago

Thank you!

reply

christineinla.bsky.social•2 days ago

Thank you!

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dpedersen.bsky.social•3 days ago

https://www.usa.gov/credit-freeze

reply

betsy22.bsky.social•3 days ago

How do we trust USAgov?

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laurenandcatss.bsky.social•3 days ago

Locked mine a week ago.

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squwas.bsky.social•2 days ago

How?

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beeaditude.bsky.social•2 days ago

Here are links to FREEZE your CREDIT.
https://www.equifax.com/personal/help/article-list/-/h/a/place-lift-remove-security-freeze/

https://www.transunion.com/credit-freeze

https://www.experian.com/help/credit-freeze/

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squwas.bsky.social•2 days ago

Thank you!!

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beeaditude.bsky.social•1 day ago

You're welcome:)

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debfromillinois.bsky.social•3 days ago

I always keep mine locked since I had a fraudulent purchase a couple years ago.

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lizdrothman.bsky.social•3 days ago

Done. On line because the wait time by phone was so long.

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jackshuman.bsky.social•2 days ago

done!!! easy peasy

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m4tth3w-j0s3ph.bsky.social•2 days ago

How

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snarkypanda.bsky.social•3 days ago

https://www.transunion.com/credit-freeze
https://www.equifax.com/personal/credit-report-services/credit-freeze/
https://www.experian.com/help/credit-freeze/

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codesqwerl.bsky.social•3 days ago

https://www.chexsystems.com/security-freeze/place-freeze

It’s used by a lot of banks, so inaccuracies or negative data can prevent you from opening a bank account.

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reaptress.bsky.social•3 days ago

I paid for the Experian to lock my account / monitor it — it’s only about $3 a month —
TransUnion is $30 a month to lock etc hah, so I just froze that one
& equifax was annoying but you have to do the “lock & alert” which is free to do you just have to search for it through the site
🙄🙄🙄

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lorihjschaffer.bsky.social•2 days ago

In an illegal invasion of our privacy, Elon Musk and DOGE have accessed all our personal social security & bank account numbers on file with the IRS. Freeze your credit now, with all 3 credit companies, to protect against fraudulent use of this information. https://consumer.ftc.gov/articles/credit-freeze-or-fraud-alert-whats-right-your-credit-report

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splendidjenn.bsky.social•3 days ago

@whitecastles.bsky.social let's look into this.

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terileemcclain.bsky.social•3 days ago

What do you mean ?

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marina2025.bsky.social•3 days ago

What if you don't have credit worth locking?

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leilabelle.bsky.social•2 days ago

What does “lock your credit” mean? Can you be more specific about what we’re supposed to be doing?

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atricebea.bsky.social•2 days ago

Read below and it's free.

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beeaditude.bsky.social•2 days ago

Here are links to FREEZE your CREDIT.
https://www.equifax.com/personal/help/article-list/-/h/a/place-lift-remove-security-freeze/

https://www.transunion.com/credit-freeze

https://www.experian.com/help/credit-freeze/

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timeformoretea.bsky.social•2 days ago

Contact the three credit agencies and put a freeze on pulling your reports. They are Experian, TransUnion, Equifax. Once your credit is frozen, you have to unfreeze it to apply for new loans or credit cards. It prevents identity theft. So if someone has your SS number, it's how you fight back.

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timeformoretea.bsky.social•2 days ago

Also, it is free! Lots of services will offer you a fee, but it's a free service if you go to the agencies websites.

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miss-soup-witch.bsky.social•2 days ago

They mean "freeze" not "lock" (which is something different). Go to TransUnion, Experion, and Equifax, (ALL 3) and make accounts with your information. There will be a very prominent "FREEZE CREDIT" area on each. It will immediately freeze your credit so new accounts cannot be opened with your info!

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sarahb1863.bsky.social•3 days ago

Why? Do you think Musk is going to apply for credit cards in your name or something?

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douglasmontgomery.bsky.social•2 days ago

Why?
Do you think that Elon is the only one that has the data now?
And do you think that even further leaks of the data will not be happening shortly?

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leoskrovanek.bsky.social•2 days ago

No matter who has the data it will prevent them from opening credit in your name. Elon's toddlers have exposed all secure systems for easy access.

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laststoptoyavin.bsky.social•2 days ago

I've had it locked for years.

There have been so many large data leaks from hackers in the past 10 years infiltrating large corporate databases.

If you're an American, your data is probably in the hands of nefarious individuals already.

Lock it down!

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ylookup.bsky.social•3 days ago

Freezing credit is free, vs. locking. That said, mark your calendar for a year out to re-freeze, as it only lasts a year.

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alonewon.bsky.social•3 days ago

Had to do this earlier this week as my social is on the dark web. Note that Transunion is a pain. Had to ask a rep to help as the screen to freeze credit (and ONLY that screen) spins forever w/out loading. On both Chrome and Safari

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