What is Digg?59 Comments
- Coffeedemon, on 11/09/2007, -0/+55"unthaw" ... isn't that the same thing as freezing it in the first place?
- devo6273, on 11/07/2007, -0/+21In whojaybe's defense... maybe he was arguing with a rowdy group of people who were saying it was impossible to prevent anyone from accessing your credit report. So he wants to quiet them down.
- footodors, on 11/07/2007, -1/+16$60 plus certified letters every freeze/unfreeze cycle. What a rook!
Heck, employers, cell phone companies, electric, apartments, credit cards; they all need access to your report.
Another weay to extract cash from the consumer. - piratesarefun, on 11/07/2007, -1/+15isn't "unthawing" the opposite of thawing... which would be freezing...
- tucsonsun13, on 11/07/2007, -7/+19I can't afford the 30$ it would take to contact those three companies. Gotta conserve so I can make the 73$ minimum payment on the NINE GRAND that I owe!!!
/sarcasm = average american's situation http://moneycentral.msn.com/content/Banking/credit ... - sterntastic223, on 11/06/2007, -0/+11"quite," but agreed
- McKeeganWRX, on 11/07/2007, -1/+12"unthaw" isn't a word. Defrost is. So is thaw. You cannot "unthaw" or "dethaw" something.
- opusaz, on 11/07/2007, -0/+7LOL...I thought they meant literally freezing the card. My ex-girlfriend used to keep a second credit card just for emergencies. She'd put it in a glass of water and put in the freezer! It was the best way she could stop herself from using it unnecessarily.
- jlungu, on 11/07/2007, -0/+6What would really be nice was if this prevented CC companies from sending me snail mail spam to sign up for a new card every 15 days
- BrewmasterC, on 11/06/2007, -0/+6I am surprised these agencies don't get sued more often for unjustly damaging reputations. Are credit assessment agencies in Britain more careful?
- inactive, on 11/07/2007, -1/+7This is whats frustrating. Its a way to make sure your identity isnt stolen, a way to protect your credit from being abused by a spouse, etc. It HELPS you. So instead of helping people do this...nope... you have to write a letter, send it certified, be specific in your request, pay for the freeze... just a bunch of ***** so that you dont bother doing it.
Thats what pisses me off about these things.. This is MY personal data. Why the hell do I need to jump through a thousand hoops to get the thing locked down. It should be as easy as going to their website. F this. - frsrblch, on 11/06/2007, -0/+5That's including people with credit cards who have no debt, so the average among those with debt, which was 45% of those polled, is closer to $13250.
- Dokument, on 11/07/2007, -2/+7u were like 3 whole minutes late on that one.
- jsantos17, on 11/07/2007, -0/+4we have a reply button, feel free to use it
- schnikies79, on 11/06/2007, -0/+4I've already done this. It's free in Indiana, so why not?
- doktorrocket, on 11/07/2007, -3/+5Link to the full article, which IMHO everyone considering a freeze should read:
http://redtape.msnbc.com/2007/11/now-a-way-to-st.h ... - inactive, on 11/06/2007, -1/+3Yea you would, wouldn't you.
- inactive, on 11/06/2007, -0/+2Print, insert in Freezer?
- Spidey99, on 11/07/2007, -1/+3.......
- waymatter, on 11/07/2007, -2/+4My wife did this, but it still didn't help completely stop ID thiefs from opening up utility accounts in her name. The problem is that utility companies often don't run a credit report before opening an account...so freezing your credit doesn't matter in that case. There should be a law requiring all companies to run a credit check before opening up any account.
- jtbandes, on 11/07/2007, -0/+2It even says "thaw" in the article. He went to the trouble of making it incorrect.
- Antiproton, on 11/07/2007, -0/+2punishing 9 people in legitimate dire straits just to slam 1 deadbeat does not put you on the side of the angels. When predatory lending practices are abolished, then you can have your credit system back. In the mean time, suck it up.
- secretivecoward, on 11/06/2007, -0/+2$10 per credit reporting agency. It's free if you are a victim though. You can still add a fraud alert to your reports at no charge. Experian will even notify the other agencies on your behalf.
- peterzuni, on 11/07/2007, -0/+2that is actually a lot easier to do. Takes about 1minute, online, free
http://www.optoutprescreen.com/ - parax, on 11/07/2007, -0/+2There's no reason employers, cell phone companies, utilities, and apartments need to access your credit report. They might like to, but they don't need to. They act like they're doing you a favor by "qualifying" you to buy their product or allowing you to generate income for them. In the case of an employer, they should focus on your skills, resume, and portfolio. Handing out your credit report should be like handing out your SSN. The fewer people that get access to it the better.
"You wouldn't have a problem showing me if you weren't hiding something." is not an acceptable mentality. It's manipulation. All those people who ask for you to sign a credit release form just want to know what kind of sucker they've got on their hands. It's a subtle transformation of asking how much something costs and having them reply "How much money do you have?"
People only need your credit record to determine how likely you are to pay back a loan. Cell phone companies, apartments, employers, and utilities aren't loaning you anything. They don't need your credit report any more than a hot dog vendor does. - takeda, on 11/06/2007, -0/+1I belive this should them (at least new ones) from doing it.
If they don't have access to your record, they can't send you offer for "pre-approved" cards. - vermin, on 11/06/2007, -0/+1I wonder if it's roughly the same for Canada? Or are there different laws here? Anyone know?
- Jadey, on 11/07/2007, -0/+1Would people please stop typing "lol" after everything? What you said isn't funny. You didn't "laugh out loud"- you're not fooling anybody with your acronym.
- Smokersroom, on 11/06/2007, -0/+1No!
- econojon, on 11/06/2007, -1/+2When I read the title, I thought it said "How to freeze your Colbert Report"
- jtbandes, on 11/07/2007, -0/+1Yes it is. http://img228.imageshack.us/img228/4237/picture1rq ...
- squegie, on 11/06/2007, -0/+1What a stupid idea. Privacy issues aside, even if the power company did run a credit check, all they would see is your wife's "good enough or better to get service" credit report and open the account.
Maybe a national "identity theft victims list" that utility companies, banks, and other companies of interest are required to check would be worthwhile. If it could be implemented in a way that doesn't lend itself to further identity theft. - kevinmoore, on 06/13/2009, -0/+1The credit report "freeze" is a bunch of rubbish. I had mine frozen after an identity theft issue. Did any of the reporting agencies contact me when I later bought two cars, opened several new credit cards, or bought my house? No.
- brad3378, on 11/07/2007, -0/+1If you are the kind of person who buys stuff you don't need and have a hard time saving money, I can almost guarantee that watching this video series will change your outlook on spending money for the rest of your life.
http://youtube.com/watch?v=9Kp24ZeHtv4
THE CENTURY OF SELF(EPISODE 1) - footodors, on 11/07/2007, -0/+1I agree philosophically, but in reality your credit report is being used to judge the caliber of your character more and more these days
- Lindane, on 11/07/2007, -0/+0Throw your credit report in a bucket liquid nitrogen. That'll freeze it nicely.
- andrewknight, on 09/16/2008, -0/+0The above website I found to be pretty useless jimb, full of Google advertisements and quite frankly, 'spam' in my opinion. You need to visit a reputable site like MyCreditFile.com.au (Australia) or you can simply do a quick Google search in your local Google website for "My Credit Report" or "Ways to freeze my credit report" etc.
Andrew
http://www.personalloans.com.au - jsantos17, on 11/07/2007, -1/+1--------------
- cnycompguy, on 11/06/2007, -1/+1thats what i was gonna say
- bmystry, on 11/07/2007, -2/+2As a recent victim of possible identity theft I approve of this service.
- mickcn, on 11/07/2007, -1/+1Maybe people need to find something better to do than talking ***** over the internet. O.o
- cashrich, on 11/09/2007, -0/+0have no comment about that?
- Sibre, on 11/07/2007, -0/+0Wish mine was that low after student loans...
- inactive, on 11/10/2007, -0/+0Nice info for ID theft victims. But it should be free to set up a credit report freeze
- inactive, on 12/08/2007, -0/+0its cost for me to much i cant offerd it :(
- baboonshic, on 11/11/2007, -0/+0Very interesting.
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