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this post was submitted on 15 Aug 2024
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The recommendation in the article was to freeze my credit reports. Fucking awesome. Equifax locked me out for 24 hours trying to access my account and Experian won't even let me access my account because their website is apparently unable to text me a four-digit code. Now I have to call and deal with customer service for both of them. At least TransUnion let me do it almost immediately.
Having to deal with this inevitable shitshow is the only reason I haven't done this yet. Every interaction I've ever had with these two companies has been a dumpster fire.
It was easy for me. I was able to do all three online with no issues. Just offering some anecdotal evidence to offset one other persons story.
Trying now. So far,
Equifax website logged in fine but I got sidetracked by something else so it timed me out. Try to login again and it gives me a blank page. Disabled ad blockers, cleared cookies, closed browser etc.. Same thing.
Experian website says my email doesn't exist (an email I previously setup specifically for Experian). Ok submit lost password form using phone number and social.. It says to enter the code texted to the same number which they're showing as existing.. Never get the code. Resent code. Never get the code. Click "sign in another way", taken back to original login page.
TransUnion absolutely flawless.
Now I have to go slide my cock back into the blender which is Equifax and Experian in hopes I can access my own information before a hacker does. I'd say it's 50:50 odds on that.
Edit:
Tried Experian "forgot username" option. It asks for date of birth and full social. Says the shit doesn't match! How in the actual fuck?
[deleted]
I froze my credit once and I’ll never do it again. Almost stopped the purchase of my house because it took so long to unfreeze. Screw that.
But if you don't, someone could use your now stolen SSN to do things like take out loans in your name. I don't think it would be too hard to unfreeze it before you started house shopping.
You don’t think but I know.
You said you were about to buy it. I'm saying before you even start looking for a house.
That’s fair, but I forgot since it was frozen for years. Doesn’t really matter. The point is that it takes a lot longer than people think.