![]() ![]() The language on the page indicated I would need my PIN for a lift. Per US PIRG suggestion, I permanently removed my freeze and then re-added and created a new pin. As I result, I've tested each of my pins acquired back in 2015. Anyone have any insight into why these agencies still don't take security seriously? I'm wondering if its a waste of time to have freezes in place since anyone with information to get a loan in my name can apparently use that same info to unfreeze my credit. I'm baffled at how flawed these unfreezes were. After this they actually showed me the PIN (which I already knew) that I had written down prior. They did have a few questions (similar to those when you request a credit report) to establish my identity so were better than Equifax. More secure than Equifax at least.Įxperian - Had me enter my address, SS#, etc. I used this to unfreeze - so at least someone would have needed this password to unfreeze (unless there is an easy password reset mechanism that can be used). TransUnion - Back when I froze my credit I had entered username/password as part of the freeze process. I did establish a user-login this time so hopefully no further actions can be taken without these credentials. They are the one that had the breech and appear to be the least secure - you would have thought they would be most secure. Anyone could have done this on my behalf. ![]() I just went through and removed the freeze at the Big 3 agencies and NOT ONE of them asked for the PIN! So anyone with my information would have been able to do so.so what's the point?!!Īnyone understand this? What's the point in having a freeze that requires a PIN if the PIN isn't required to unfreeze? If someone has my Name/Address/SS# they can unfreeze my credit.ĮquiFax - made me set up a new account with a username and password in order to unfreeze my credit. Each of the 3-major agencies gave me a PIN - very important to keep this in a safe place in case you ever want to remove the freeze - or so they said. So back after the Equifax debacle happened I froze all my credit. ![]()
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |