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this post was submitted on 23 Feb 2025
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I froze three and was given a code to unlock them temporarily (or something this was like 8 years ago).
Gave the code to my bank when applying for a home loan. It didn’t work. Ended up just unfreezing so they could do their job.
Costs like $12 every time you want to freeze. It’s a racket.
You got scammed by one of the credit bureau's dark patterns to buy a service you don't need. It shouldn't cost any money to freeze/unfreeze your credit. You can do it online with each of them for free.
Which one required money to unfreeze? Because that definitely sounds sketchy.
It wasn’t money to unfreeze. It was money to re-freeze after.
You shouldn't have had to pay anything. I just put a "thaw" on mine two nights ago, which is a temporary unfreeze, and it was free with all three bureaus.
Yeah the temporary unfreeze was what wasn’t working and it was holding up my credit union.
Don't schedule a thaw. Just do it all manually: unfreeze, apply, and then freeze again.
That’s what I eventually did. Except without the refreeze because it was going to cost me $12 which while a small amount, is definitely a ripoff.
That can't be right because credit-freezing must be free by law. You can do it an infinite amount of times for free. I think the website may be misleading you into a different thing (it's either Experian or Equifax that is grotesquely adept at trying to get its customers to pay). Which bureau is it? I could try to get you the correct URL. Some of them really try to hide it. It's such a disgusting practice.
I’m sure there was a better way to do it. This was 7-8 years ago, so I don’t remember the details.
I think I was in a hurry to do it after I found out someone made purchases with a Google pay account I forgot I had.