Do you want to freeze your
I don’t recommend the freezing of credit files, except in extreme
cases of I.D. Theft.
The freezing of your files can cost you money. If your credit
card companies can’t pull your file,
the will likely drop you or raise your interest rates. Most
pull your credit report to help determine your premiums. If
they can’t see your report,
they may cancel your or raise your premiums.
If you are applying for new credit, the lender can’t pull your
report, unless you have a PIN number to give to
the creditor(s). That means you must remember the number for
each credit bureau.
If you don’t have a PIN, then each bureau will charge you $10.00 to
unlock your file and then
another $10.00 to re-freeze your file.
Here are some links with information regarding freezing of credit
Trade Commission Freeze information (FTC)