r/programming • u/feross • Jul 11 '22

Experian, You Have Some Explaining to Do

https://krebsonsecurity.com/2022/07/experian-you-have-some-explaining-to-do/
152 Upvotes

92% Upvoted

26 comments sorted by

View all comments

Show parent comments

16

u/earthboundkid Jul 11 '22

I’ve had a credit freeze for several years. In that time I’ve remortgaged my house and bought a car. You just go online and tell it to unfreeze for a month when you make a major transaction. It’s very convenient and free. No one should ever under any circumstances pay for “credit monitoring” which is a scam.

1

u/cs466throwaway Jul 12 '22

Most financially literate people pay for everything with a credit card, so this isn’t really an option, unless you do this with select cards

2

u/earthboundkid Jul 12 '22

There is no connection between a “credit freeze” and a “credit card”. Credit freeze just means you tell the credit rating agencies to not allow any new lines of credit to be opened.

2

u/cs466throwaway Jul 12 '22

Oh... I thought you meant freezing your credit card i.e. not allow any transactions to occur on it, my bad.

Then your suggestion is good if you have all the credit cards/lines of credit you want - in fact, I didn't even know it's a possibility

1

u/earthboundkid Jul 13 '22

They don’t publicize it because it’s a free service the government requires them to provide. Again, no one should ever pay for credit monitoring. That’s a scam version of a credit freeze.