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helpmeout

Credit freeze question, TU,EQ,EX

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So I just froze all my credit lines and how would I check that without applying for a loan? How do I freeze my SSN so it cant be stolen? I just learned bout this today and I don't really need to apply for anything so I am just like I would freeze all my accounts. 

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On 8/18/2019 at 11:35 PM, helpmeout said:

So I just froze all my credit lines and how would I check that without applying for a loan? How do I freeze my SSN so it cant be stolen? I just learned bout this today and I don't really need to apply for anything so I am just like I would freeze all my accounts. 

You can request a freeze on each of the reporting agencies websites if you so choose.

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46 minutes ago, CTSoxFan said:

You can request a freeze on each of the reporting agencies websites if you so choose.

It sounds like OP already placed security freezes on his/her files and just wants to verify that the freezes are in place. 

I see two ways to do that.

1 - Call the CRAs. I believe the automated systems will tell you. Otherwise one of the phone reps can. 

2 - Try seeing if you are pre-approved. Many of the major card issuers have a pre-approval/pre-qualification tool on their website. If your files are frozen you’ll get a response that you aren’t matched to any cards. I believe that Discover even tells you that you have a freeze. 

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to the OP... don't forget to freeze IDS and the ghost CRAs if you're concerned.

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36 minutes ago, hegemony said:

to the OP... don't forget to freeze IDS and the ghost CRAs if you're concerned.

I definitely don’t want my personal info hacked or my credit files messed up because like I did mention I have no need to apply for anything so no point in keeping them open so someone can just come up and open accounts under my name. I would rather be safe then sorry. What is IDS btw?

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8 hours ago, hegemony said:

...and the ghost CRAs if you're concerned.

SageStream and ARS come to mind. There are a few other small CRAs that I can't remember the names of.

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