Lory Gil, iMore:
Recently, Equifax announced it had been compromised and as many as 143 million U.S. residents may have had their personal information exposed, including home addresses, birth dates, credit account information, and Social Security numbers. One suggestion from the credit reporting agency, as well as many banks and credit card companies, is to freeze your credit report.
A credit freeze is a way for you to restrict access to your credit report to protect you from identity theft. If you’ve put a freeze on your credit report, it doesn’t affect your credit score or keep you from being able to apply for loans. There are some caveats though.
If you’ve put a credit freeze on your credit report, there are a few things you should know about applying for your iPhone Upgrade Program loan.
This is worth reading, certainly for the specifics on the iPhone Upgrade Program, but also to wrap your head around the implications of freezing your credit report.
My 2 cents: If you choose to not freeze your credit report, do a regular check on your credit report to see who is running credit checks on you. Believe it or not, there are companies out there that sell product purely on credit to someone who has the right credentials. In other words, they will ship out an Xbox if you have the right combination of social security number and other identifying personal information AND if they can run a credit check.
Freeze your credit and that can’t happen. If you don’t freeze your credit, pay attention. Identity theft is a painful thread to unwind.
I can’t afford that nor wasting time with untrustworthy Equifax and therefore have changed all my credit cards and watch them daily through IOS apps.
The freeze sounds reasonable conceptually, but the credit agencies make it impractical.
“Experian charges $5 for the first month and the $25/month thereafter.’
Where did you get this information from? Do you have a source?
This $25 fee you are mentioning is not charged in my state.
What state are you in?
I didn’t see this recurring fee in the few states I looked at.
http://www.experian.com/news/security-freeze.html
NJ. You must register as a member of Experian to freeze credit. When you submit your “application” for the freeze, in fine print under terms they state:”Your credit card will be charged an introductory rate of $4.99 for the first month of your membership. After the first month, you will be charged $24.99 for each month you continue your membership.
Can’t you cancel your membership and leave the freeze in place?
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If you want the iPhone Upgrade Program, the easiest option would be to join, then freeze credit. They check almost immediately, so you can start the freeze after you get approval. The wait probably won’t affect you.
Last year I had a freeze in place and no one at Apple knew how to deal with this, so I ended up buying my iPhone. Given the size of this year’s breach Apple/CitizensOne should have a process down — if they want to sell the IUP!
@stankramer:disqus: You may need to register on Experian’s website, but you don’t need any purchase or subscription. Depending on the state you live in, you may have to pay to put the freeze in place. A Credit Freeze is independent of any product the credit bureaus try to sell you.
@skramer49:disqus as James noted, the only effect of “changing credit cards” is to put the new credit cards in your credit report. Cancelling cards is only useful if your card information was stollen.