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At this point, nobody can be legally expected to be responsible for consequences of ID theft, I guess...
Yeah freezing works, but I did all 3. Just one was not enough in my case, I know because I bought a car and they still got my stuff thru another reporting agency than the frozen one... So I did all 3, and tried credit Karma a week later: Locked ! Leased a car 1y later and they still could not get anything... I'm sure my "data" is out there regardless (hell someone kindly filed my taxes for me a few years back), the freeze just prevents "new" activity: no new accounts, new cards, new loans. it's cool ! You all should do it regardless, you can unfreeze on demand in minutes via your phone using a PIN, refreeze later... It's about $10 per, $30 total, trust me it's cheap compared to the alternative hassles...
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