Quote:
Originally Posted by craigster59
That was told to me by Experian when I froze my credit after identity theft. I still have only frozen it with Experian and it worked so well I have never done a permenant lift on the freeze. I couldn't even sign up for Direct TV without lifting the freeze, but one call and a $15 charge lifted it for 24 hrs, same with my home loan, auto loan and applying for a credit card.
Now with the Equifax breach, I would hope the agencies would be even more vigilant. I'd rather not be on hold for an extended length of time, with all the other victims of the breach, with three agencies, paying $15 each, when purchasing a new vehicle or taking advantage of zero percent financing on a new purchase. One call to Experian does it for me.
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As I posted, I don't doubt your experience, but the information given to you by someone from Experian runs counter to what is posted on all three agency websites as well as advice from the consumer protection agencies. Perhaps because you were the victim of identity theft rather than just someone whose information was compromised, placed you into a special category that led Experian to inform the other agencies--if in fact the other two agencies
did freeze your credit--you might want to check with them directly. Also, victims of ID theft--those who have suffered an incident and have a report--are typically allowed the freeze for free. Again, something you might want to check on.
In the current mess, I'd advise someone to notify all three directly, just to be sure. It could be a hassle right now, though I was able to do all three in a matter of minutes, but it needs to be done, IMO. The real fall out will not happen for several months, possibly over a year, and will continue, forever.