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Quick Navigation Bottom Misc
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» Froze my credit yesterday.
  1. Results 1 to 12 of 12
post 10000223756 06-20-2026, 11:11 AM
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#1
  1. Lefticle
  2. Registered User
  1. Lefticle
  2. Registered User
  3. Join Date: Jan 2011
  4. Height: 6'1"
  5. Weight: 225 lbs
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Froze my credit yesterday.

Super easy. Not looking at borrowing anything any time soon (potentially never again in my life). Can’t believe I’ve never done this before.

Has anyone here ever frozen their credit as a precautionary measure against fraud?
Always Neg Back Crew.
post 10000223757 06-20-2026, 11:13 AM
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#2
  1. radrd
  1. radrd
  2. Join Date: Apr 2018
  3. Posts: 13,527
  4. Rep Power: 146798
Yes, I have freezes on with all three bureaus for both me and my wife. It's easy to unfreeze when needed.
post 10000223762 06-20-2026, 11:14 AM
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#3
  1. GooBaaa
  1. GooBaaa
  2. Join Date: Sep 2011
  3. Location: Buffalo NY
  4. Posts: 58,902
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Mines been frozen for a long time. Won’t need credit for a long time
post 10000223766 06-20-2026, 11:15 AM
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#4
  1. stevebec
  2. Unregistered User
  1. stevebec
  2. Unregistered User
  3. Join Date: Aug 2015
  4. Location: United States
  5. Posts: 6,544
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Apparently I did. Don't even remember doing it, but I had to unfreeze it for the mortgage we just applied to. Probably explains the lack of credit card spam in the mail.
"Bones heal, pain is temporary, and chicks dig scars" - Evel Knievel
post 10000223789 06-20-2026, 11:31 AM
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#5
  1. GuineaDago585
  2. Bert McGirt
  1. GuineaDago585
  2. Bert McGirt
  3. Join Date: Nov 2012
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Good. The borrower is slave to the lender.
post 10000223802 06-20-2026, 11:37 AM
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#6
  1. GordonXXX
  2. Generation X Capitalist
  1. GordonXXX
  2. Generation X Capitalist
  3. Join Date: Feb 2019
  4. Posts: 34,656
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never felt the need to do it. and i bet one day you'll forget you did it and it will fuck up something you're trying to do and it will be a gigantic PIA to unfreeze it quickly enough.
post 10000223819 06-20-2026, 11:49 AM
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#7
  1. OliverHeldens
  1. OliverHeldens
  2. Join Date: Oct 2014
  3. Age: 33
  4. Posts: 43,126
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Are you not able to use credit cards when its frozen? Or would you only be prevented from opening any new accounts? I buy everything on credit card and pay it off every month, which is a lot easier than carrying cash. I use my phone for everything and don't even carry a wallet anymore.
post 10000223824 06-20-2026, 11:54 AM
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#8
  1. stevebec
  2. Unregistered User
  1. stevebec
  2. Unregistered User
  3. Join Date: Aug 2015
  4. Location: United States
  5. Posts: 6,544
  6. Rep Power: 57623
Originally Posted By OliverHeldens
Are you not able to use credit cards when its frozen? Or would you only be prevented from opening any new accounts? I buy everything on credit card and pay it off every month, which is a lot easier than carrying cash. I use my phone for everything and don't even carry a wallet anymore.
It just prevents new accounts or credit checks. Your cards will work normally.
"Bones heal, pain is temporary, and chicks dig scars" - Evel Knievel
post 10000223830 06-20-2026, 12:00 PM
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#9
  1. SuperHercules
  1. SuperHercules
  2. Join Date: Jun 2014
  3. Height: 6'5"
  4. Posts: 32,553
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I use cash for everything, bank transfers for larger purchases

I don't buy things I can't afford. Zero credit, zero credit cards
post 10000223885 06-20-2026, 12:37 PM
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#10
  1. tripod29
  1. tripod29
  2. Join Date: Oct 2017
  3. Posts: 26,225
  4. Rep Power: 457938
Imagine ever needing credit. Das it OP.
post 10000223886 06-20-2026, 12:38 PM
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#11
  1. DrugsToGetHigh
  1. DrugsToGetHigh
  2. Join Date: Jan, 2026
  3. Posts: 1,882
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  5. Rep Power: 24331
Nice. Thinking ahead
post 10000223911 06-20-2026, 12:57 PM
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#12
  1. 8pieces
  2. Make The Misc Great Again
  1. 8pieces
  2. Make The Misc Great Again
  3. Join Date: Jan 2020
  4. Posts: 32,210
  5. Subscribers: 3
  6. Rep Power: 118809
Yeah I had to after someone tried to open a card under my name
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