Marc
Recycles dryer sheets
I have had free accounts at Experian and Credit Karma for about a year. Now that all expenses with moving and selling old home are paid, and house is mortgage free and I have a HELOC that has been paid down to a zero balance, I am wondering about freezing or locking both my and my wife's credit. When I went to Experian site, I saw that 1) we had to request individually for each of the three bureaus (a total of six actions) and 2) we had a choice of freeze vs lock. As we have sufficient credit card lines and large HELOC line; I don't think we will ever "need" to request credit again (only times possibly to take advantage of bonus for new credit card). So, which is better, lock or freeze?
thanks,
Marc
thanks,
Marc