this post was submitted on 07 Aug 2024
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[–] [email protected] 9 points 4 months ago (1 children)

There are actually more than 3 providers and you should put a freeze on everything you can. You only need unfrozen credit for applying for new lines of credit (loans, credit cards, etc), and unfreezing is a quick process (15 minutes or so).

Here’s a pretty comprehensive guide for protecting yourself: https://old.reddit.com/r/IdentityTheft/comments/uvv3ij/psa_freezing_your_three_main_credit_reports_is/

It’s better to take these steps before you get your identity stolen rather than after. These steps can prevent your leaked information from being used against you.

[–] [email protected] 2 points 4 months ago (1 children)

Seems like this post is two years old at this point. Is it still valid?

[–] [email protected] 4 points 4 months ago (1 children)

Even if some of the information is outdated, although I believe it’s all still valid, the main points / TL;DR are absolutely relevant. It’s unlikely that the main bureaus will change, and although the exact steps for freezing may change over time, the emphasis on freezing is important.

[–] [email protected] 1 points 4 months ago

makes sense, thanks