Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Credit Freeze Question
Old 07-01-2016, 12:09 PM   #1
Full time employment: Posting here.
Dog's Avatar
Join Date: Apr 2006
Posts: 736
Credit Freeze Question

Within the past two months, DH retired and we sold our primary home and have relocated to our retirement home. We don't expect to be opening any new accounts. We just provided a ton of personal information for the title change and bank account information for the wire transfer due to home sale. We are feeling a bit exposed and think it may be time to freeze our credit. I looked online and it appears we each need to do it for all three of the credit agencies.
I know many of you have frozen your credit. I'm looking for the most efficient and safe way to do it.
As always....thank you for your wise counsel.

"Tell me, what is it you plan to do with your one wild and precious life?" - Mary Oliver
Dog is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 07-01-2016, 12:15 PM   #2
MichaelB's Avatar
Join Date: Jan 2008
Location: On the road again
Posts: 21,153
Smart move. You have it right, you both need to do it, with each of the three credit agencies. Here's a link to Clark Howard's "How to freeze your credit" which is helpful and easy to understand. Credit freeze and thaw guide | Clark Howard

MichaelB is online now   Reply With Quote
Old 07-01-2016, 12:22 PM   #3
Full time employment: Posting here.
Cobra9777's Avatar
Join Date: Jul 2012
Location: Texas
Posts: 805
I followed the Clark Howard instructions. Took about an hour and $60 to freeze DW and myself at all 3 credit bureaus. That was about 1.5 years ago and we've never had a reason to thaw so far.
Retired at 52 in July 2013. On to better things...

AA: 45% stock, 35% bonds, 15% real estate, 5% cash
Cobra9777 is online now   Reply With Quote
Old 07-01-2016, 02:03 PM   #4
Thinks s/he gets paid by the post
ExFlyBoy5's Avatar
Join Date: May 2013
Posts: 1,352
It is pretty easy and "thawing" is easy long as you remember the PIN! If you don't have that available, then expect to wait a while since you will need to MAIL them an authorization and a picture of your ID (at least it was like that about a year ago).
Founder and Head Lounger @ The Life of Leisure Institute
Retired in 2014 @ The Ripe Age of 40.
ExFlyBoy5 is offline   Reply With Quote
Old 07-01-2016, 07:43 PM   #5
Full time employment: Posting here.
Dog's Avatar
Join Date: Apr 2006
Posts: 736
Thank you. I checked out the site and have it in my "to do" list for next week

Sent from my iPhone using Early Retirement Forum
"Tell me, what is it you plan to do with your one wild and precious life?" - Mary Oliver
Dog is offline   Reply With Quote
Old 07-02-2016, 04:31 AM   #6
Recycles dryer sheets
Join Date: Jan 2014
Posts: 491
If you do not have a Social Security online account and think you might want it, go ahead and create the SS account before implementing the credit freeze. Otherwise, you will need to thaw Experian to create the SS account.

A few months ago, I used the Clark Howard steps to freeze online. He was right about TransUnion being difficult. It would let me complete one section then log me out. I would log back in and complete another section just to be logged out again. I was finally able to complete all the steps. Keep the PINs!
MBSC is offline   Reply With Quote
Old 07-02-2016, 01:08 PM   #7
Full time employment: Posting here.
Join Date: Dec 2014
Posts: 971
we did most online (on the 3 agencies). I think we had to mail one of the agencies the freeze instructions. Cost $20 total for both of us. 1 agency did not require the payment, the other two did for each of us. $5 to freeze per person/agency.

KEEP the unfreeze codes!

“Remember where you came from, where you're going, and why you created this mess you got yourself into in the first place.”
― Richard Bach, Illusions
bingybear is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
Credit account freeze question noelm FIRE and Money 20 06-15-2016 03:50 PM
When/if to freeze credit? Fermion FIRE and Money 12 09-13-2014 12:38 PM
Why Doesn't Everyone Freeze Their Credit? golftrek Other topics 34 01-28-2014 07:01 PM
Credit Freeze Experiences Chuckanut Other topics 20 08-11-2012 10:34 AM
The Real Cause of the Credit Freeze? audreyh1 FIRE and Money 20 10-10-2008 06:44 PM


All times are GMT -6. The time now is 01:32 PM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.