• Claire

    Member
    April 23, 2024 at 8:31 pm

    I just looked into this last week. Locking credit and freezing credit are two different things.

    Freezing credit doesn’t cost anything, and by law, the credit rating agencies have to provide it.

    I set up accounts for Person 1 and Person 2 with Experian, Transunion, and Equifax. I managed to figure out how to access the free freeze on all three websites.

    I agree with another comment that Experian makes it more difficult to find the free freeze option compared to their $30 per month lockdown process.

    The main difference between locking and unlocking, and freezing and unfreezing, is that the former happens instantly.

    Even if the latter takes a day, it’s easy to plan for and doesn’t cost anything.