ATTN: it might be a good idea to freeze your credit with all three agencies now that Musk has all your info. I froze mine long ago and it’s pretty easy to unfreeze temporarily if you need to.
Replies
I did this today. Then got alerts from Experian. Thanks Elon
feb 6, 2025, 2:59 am • 0 0 • view
Good plan
feb 5, 2025, 8:49 pm • 0 0 • view
figured it out. thanks for advice!
feb 5, 2025, 4:32 pm • 1 0 • view
was it free? looks like they are charging $4.99/month
feb 5, 2025, 4:30 pm • 0 0 • view
Don’t forget there are other agencies where soft pulls happen. I think there’s five. I know Lexis Nexis runs one. Someone with more knowledge please chime in
feb 5, 2025, 4:10 pm • 18 0 • view
1. Freeze credit 2. Setup security alerts at all banking and investment accounts 3. Download Social Security statement 4. Research options for banking outside of US.
feb 5, 2025, 5:52 pm • 71 13 • view
It's really difficult to do this unless you have an address there and a foreign resident ID.
feb 6, 2025, 12:55 am • 0 0 • view
Any recommendations on the banking outside the us portion of this would be appreciated.
feb 6, 2025, 2:16 am • 4 0 • view
This is something to look into: Best choice for low deposit and remote opening. A Belize offshore account holds various advantages: free hassles of currency deflation, a fast account setup process, remote opening choices. Among many providers, CAYE International Bank Ltd. is highly recommended.
feb 6, 2025, 3:03 am • 3 1 • view
Have you found out how we can do banking out of the states?
feb 5, 2025, 7:14 pm • 12 0 • view
My initial research is that if you have lots of money, offshore accounts are easily funded. If you're a regular person, looks like you can have offshore accounts but you will likely have to visit the branch in person with various documents to establish it. Still looking.......
feb 5, 2025, 8:14 pm • 2 0 • view
That is what I’ve seen, so far.
feb 5, 2025, 8:18 pm • 0 0 • view
Agree, I looked into this post election. I tried looking up if banking with WISE in other currencies would be a good option. It's not perfect but might be ok.
feb 5, 2025, 8:47 pm • 2 1 • view
Same question
feb 5, 2025, 7:46 pm • 9 0 • view
Absolutely. It takes five minutes. No one or even you can be approved for or apply for anything without being called. It's a good thing to have in place.
feb 6, 2025, 12:45 am • 1 0 • view
Froze mine years ago. I also printed out my history from the Social Security website in case he decides to delete those records.
feb 5, 2025, 4:29 pm • 0 0 • view
Did that after the election. With project 2025 as a template I did not trust what would happen.
feb 5, 2025, 4:20 pm • 0 0 • view
I wrote a how to and it’s pinned to my profile. bsky.app/profile/kewi...
feb 6, 2025, 2:52 am • 19 0 • view
Good info...thank you!👍🏽
feb 6, 2025, 4:56 am • 1 0 • view
📌
aug 27, 2025, 4:50 am • 0 0 • view
🙏
feb 6, 2025, 4:33 am • 0 0 • view
Already did during COVID-19
feb 6, 2025, 2:44 pm • 1 0 • view
Considering what this regime is up to it would good time to keep an eye on this as well since your private information can be used for all sorts of mischief. www.usa.gov/confirm-vote....
aug 27, 2025, 5:58 am • 4 4 • view
Same
feb 5, 2025, 4:36 pm • 0 0 • view
Yes, we did the same when Equifax was breached a couple years ago.
feb 5, 2025, 4:16 pm • 0 0 • view
📌
aug 27, 2025, 4:10 am • 1 0 • view
Done ✅
feb 5, 2025, 5:08 pm • 0 0 • view
Worked in Cybersecurity. I have my monitoring via my 3rd party bank watching while other ones alert for other nonsense. Anything to do with opening credit or verification of accounts via phone, lock down. MFA via an app will help the access part but we are on our own and he has one giant DB full
feb 5, 2025, 4:36 pm • 2 0 • view
Ok I need a translation of this
feb 5, 2025, 5:00 pm • 3 0 • view
So basically you want to monitor anything associated with your credit report since that is based on your ID. He could "clone" an ID now because your family tree (tax claims) of your dependents, with addresses and names, etc. It's a simple query really once you have all connected tables.
feb 5, 2025, 5:47 pm • 2 0 • view
Ex Chase has "Credit Journey" for free, it is a basic search on the web for accounts on your credit record. Google scans for user/pass. The Fed has your name, address, SSN, etc. When you sign up for or call into Support, they ask for last 4 SSN or maiden name, MuskCo has that now all in one place
feb 5, 2025, 5:43 pm • 0 0 • view
Great advice, especially if you've ever worked for or applied to work for the USG. More so if you have or had a security clearance.
feb 5, 2025, 6:44 pm • 0 0 • view
Macron shoud be Here
feb 5, 2025, 5:40 pm • 0 0 • view
Nazis for Jail
feb 5, 2025, 4:18 pm • 0 0 • view
I’m fearful of filing my taxes. Why would I offer more of my personal data into a hijacked federal system?
feb 6, 2025, 1:46 am • 34 1 • view
So am I
feb 6, 2025, 2:22 am • 8 0 • view
I’m holding off until the deadline
feb 7, 2025, 1:58 am • 1 0 • view
Did that 2 weeks ago, for obvious reasons. It's easy to do and everyone should do it, for obvious reasons.
feb 5, 2025, 4:34 pm • 0 0 • view
This is really getting out of hand!
feb 5, 2025, 4:35 pm • 2 0 • view
Will do! Closed my savings account this afternoon. Checking will be next.
feb 5, 2025, 8:28 pm • 0 0 • view
And your kids. They would have access to the SSNs of claimed dependents as well I would assume.
feb 5, 2025, 4:25 pm • 8 0 • view
Also check any paid Identity Theft plans!
feb 5, 2025, 10:32 pm • 0 0 • view
When we had that big data breech that exposed millions of SSN my husband and I both froze our credit.
feb 6, 2025, 1:08 am • 0 0 • view
Ok. How does this work exactly?
feb 5, 2025, 8:35 pm • 0 0 • view
Now he can freeze your credit and take your identity.
feb 6, 2025, 11:15 am • 0 0 • view
Thanks for this. I tell everyone I know to do this. It’s just not that hard to temporarily unfreeze it if needed.
feb 5, 2025, 9:04 pm • 1 0 • view
They are going to eliminate credit scores and issue Trump social credit values determined by them
feb 5, 2025, 4:27 pm • 4 0 • view
Check.
feb 5, 2025, 5:53 pm • 0 0 • view
We just refinanced with a VA loan. Whut?
feb 6, 2025, 6:17 am • 0 0 • view
The phone numbers for the three major credit bureaus are: Equifax: (800) 685-1111 Experian: (888) 397-3742 TransUnion: (800) 916-8800
feb 5, 2025, 5:06 pm • 12 2 • view
📌
aug 27, 2025, 4:51 am • 2 0 • view
Freezing your credit is quick and simple. You can unfreeze it just as easily. A few minutes to freeze your credit beats weeks of dealing with fraud. Do it today.
aug 27, 2025, 10:11 pm • 2 0 • view
And for anyone who missed it, you are also now able to get a free credit report every week, changed from every year. consumer.ftc.gov/consumer-ale...
feb 5, 2025, 4:40 pm • 33 11 • view
📌
feb 5, 2025, 6:46 pm • 2 0 • view
That’ll stop soon too
feb 5, 2025, 4:57 pm • 0 0 • view
Still there but for how long.
feb 5, 2025, 6:18 pm • 5 0 • view
📌
feb 5, 2025, 6:29 pm • 2 0 • view
Glad to see that site still exists. For now
feb 5, 2025, 4:42 pm • 1 0 • view
Had no idea that you could do this! Thank you….it’s done!
feb 5, 2025, 9:24 pm • 0 0 • view
I froze mine last year after the 3rd letter saying there was a breach somewhere and my data may have been exposed.
feb 5, 2025, 4:19 pm • 1 0 • view
Isn't it true that if they have all of our data, they're going to have the keys to unlock the freeze as well?
feb 5, 2025, 11:37 pm • 1 0 • view
Theoretically, the credit bureaus are independent organizations. The "Musk Breach" is on government IT systems.
feb 5, 2025, 11:43 pm • 2 0 • view
One hopes. 🤷♀️
feb 6, 2025, 12:10 am • 1 0 • view
We've been doing it for years. Our children have been doing it since college days.
feb 5, 2025, 4:18 pm • 0 0 • view
I did this a few months ago. Great idea, thank you.
feb 5, 2025, 7:22 pm • 4 0 • view
You are assuming Musk won't take control of the credit reporting agencies... It is never a bad idea to freeze your credit.
feb 5, 2025, 6:25 pm • 8 0 • view
Super helpful. Done. Thank you.
feb 5, 2025, 6:49 pm • 0 0 • view
Would also add to contact your bank and consider opening a new account and closing your old one if that data was ever shared in any way with the government. Also tell them you want them to put protections in place and fight back with lawsuits etc as an industry We have to demand this
feb 5, 2025, 4:17 pm • 5 3 • view
And to report to all three agencies that there has been an attempt to steal your identity. They will put a note on your file for two years and notify you if anything happens.
feb 5, 2025, 4:11 pm • 22 3 • view
Correction: One year. And you only need to report to one of the three agencies and they will notify the other two in your behalf. If you ever received a direct deposit from the Treasury, you might want to change your bank account, or at least monitor it.
feb 5, 2025, 4:27 pm • 17 0 • view
hopefully---- they are being taken over by the muppets as well ( sorry to actual muppets)
feb 5, 2025, 4:13 pm • 1 0 • view
meant musk-rats!!!
feb 5, 2025, 4:14 pm • 1 0 • view
This is always a good idea. 100% of the time unless you need it for a specific purpose. It’s easy to unfreeze- takes seconds, so no reason not to keep it frozen the rest of the time.
feb 5, 2025, 6:49 pm • 1 0 • view
!!!!!!!!!!!!!!!!!!!!!!!!!
feb 5, 2025, 4:21 pm • 0 0 • view
Did that several months ago
feb 5, 2025, 8:28 pm • 0 0 • view
Froze mine long ago. Thank you!
feb 5, 2025, 4:34 pm • 0 0 • view
@catalyst100.bsky.social
feb 5, 2025, 4:11 pm • 0 0 • view
Caveat (🧐🤨😡) from TransUnion: “Could someone access my credit report even though I placed a freeze on it?” “Yes, but only in certain situations that are allowed (?) by federal law. These situations include:” “Any federal or state agency acting to investigate fraud or acting to investigate..”
feb 5, 2025, 6:33 pm • 17 1 • view
I saw that too. It says it on www.USA.gov too.
feb 5, 2025, 7:29 pm • 6 2 • view
Accessing your credit report is not the same as someone getting your information and opening credit with that information.
feb 5, 2025, 8:29 pm • 0 0 • view
🤬
aug 27, 2025, 4:57 am • 0 0 • view
In the Land of the Free we freeze our credit. In the Home of the Brave we download and print our social security benefit statement.
feb 5, 2025, 6:08 pm • 43 8 • view
Don’t forget your earnings history.
feb 5, 2025, 7:31 pm • 0 0 • view
Just screen shot mine.
feb 5, 2025, 6:43 pm • 7 0 • view
Good idea! I just did the same. Thanks for the suggestion!
feb 5, 2025, 7:48 pm • 0 0 • view
Thanks. I just went through months of a security breach where a credit card was opened in my name. I froze my credit with the three agencies. I didn’t think I’d have to worry about the president allowing a twirp access my personal information.
feb 5, 2025, 7:32 pm • 15 1 • view
Yup, this
feb 5, 2025, 6:19 pm • 0 0 • view
What agencies?
feb 5, 2025, 5:28 pm • 0 0 • view
What about recurring payments?
feb 5, 2025, 5:29 pm • 0 0 • view
bsky.app/profile/fleu...
aug 27, 2025, 6:30 am • 2 0 • view
Serious question: Now that the proverbial toothpaste is out of the tube is it all that easy getting it back in?
feb 5, 2025, 5:11 pm • 1 0 • view
Just ask the Genie who escaped from the bottle.
feb 5, 2025, 5:22 pm • 2 0 • view
📌
aug 27, 2025, 4:46 am • 0 0 • view
Same here. 🤔👍
feb 5, 2025, 11:58 pm • 0 0 • view
I recently froze mine with all three credit agencies. This advice is great. And yes, if needed, unfreezing your credit is easy if you need to, then it can be frozen again. Very simple.
feb 6, 2025, 1:20 pm • 1 0 • view
Also subscribe to a Identity Theft Monitoring Company.
feb 5, 2025, 6:15 pm • 9 0 • view
AND GET CASH!!!! Especially women and POC! CASH!
feb 5, 2025, 4:13 pm • 11 1 • view
If the dollar tanks, it will be valueless paper. Get cash for the short term. Hold on to valuables for trading long term.
feb 5, 2025, 4:15 pm • 11 1 • view
yes, but get cash out- WHILE you still can! Also a rush on banks would trigger a crash-- and the RICH do not like it when THEIR money is messed with!
feb 5, 2025, 4:18 pm • 4 0 • view
I feel it necessary to clarify my position: I am *not* suggesting anyone panic. I am simply saying that having *some* cash handy is generally worthwhile. Afterall, somebody always wants a few dollars for this and a few dollars for that.
feb 5, 2025, 4:59 pm • 3 0 • view
yes, no I think we are both saying the same thing- just 'emotions' are high......... I do see a reason for women and POC to stay on HIGH alert- Handmaids Tale has arrived!
feb 5, 2025, 5:01 pm • 4 0 • view
I did this but looks as though the freezes are regulated by federal govt and “certain agencies” can get in?
feb 5, 2025, 4:52 pm • 1 0 • view
If the power company stopped providing what I contracted them to supply, I would stop paying my power bill. If the U.S. Treasury isn’t going to spend money the way they’re legally required to by Congress, should I continue to pay my taxes?
feb 5, 2025, 4:22 pm • 106 19 • view
No, the exact same thing crossed my mind. We don’t need Trump but he needs our money.
feb 6, 2025, 3:19 am • 21 2 • view
If enough people refuse to pay their taxes, this regime is done for. They can't prosecute tens of millions of people.
aug 27, 2025, 12:53 pm • 1 0 • view
I stopped, jump in, waters fine. Figure I'll need the extra money to buy survival gear, JIC
aug 28, 2025, 1:55 am • 1 0 • view
I ain't
aug 28, 2025, 1:55 am • 0 0 • view
"tax and abscond" republicans..
feb 5, 2025, 8:04 pm • 3 0 • view
"tax and switch" republicans..
feb 5, 2025, 8:05 pm • 2 0 • view
Switch them off! Blackout, total power outage!
aug 27, 2025, 7:21 am • 1 0 • view
I believe Trump has already stated tax refunds will be late.
feb 5, 2025, 7:17 pm • 1 0 • view
Really? You know who relies on their tax refunds? Poor people. When I was a young college student with a family, and had barely two sticks to rub together, my tax refund allowed me to buy clothing. It was the only way I could afford anything other than basic living expenses like food and rent.
aug 27, 2025, 9:05 am • 1 0 • view
I did that back in August but could only get 2 of the 3 to freeze. Anyone else in the same boat?
feb 6, 2025, 2:56 pm • 1 0 • view
Done, last month
feb 5, 2025, 11:29 pm • 0 0 • view
This is excellent advice. As others have suggested, check your Social Security account online (if it’s still working) and print out your record of paying into it. You need documents.
feb 5, 2025, 10:59 pm • 7 1 • view
Can you post notes: how to freeze credit.
feb 6, 2025, 5:21 am • 3 0 • view
Froze mine long ago, but I'm not convinced they can't hack those agencies, too.
feb 5, 2025, 5:00 pm • 0 0 • view
I believe he also has access to the bank account information of every one who gets their tax refund directly deposited into their account.
feb 6, 2025, 2:00 am • 0 0 • view
And they have done away with FDIC
feb 6, 2025, 10:24 am • 0 0 • view
I voluntarily locked my accounts.
feb 5, 2025, 4:30 pm • 0 0 • view
We did the same after the equifax hack.
feb 5, 2025, 6:50 pm • 0 0 • view
I agree. I froze my credit reports awhile back because I was a victim of identity theft. It's free and it's easy.
feb 5, 2025, 4:16 pm • 0 0 • view
Mine has been frozen since the Equifax breach.... Don't understand how anyone trusts Equifax with their information to this day
feb 5, 2025, 7:04 pm • 8 0 • view
What agencies?
feb 5, 2025, 5:34 pm • 0 0 • view
Mine has been frozen for quite a while for fraud credit card application attempts. Having it frozen is a good thing.
feb 5, 2025, 4:29 pm • 7 0 • view
I froze mine a long time ago as well. But the man rigged the election, so not sure what my little ole freeze can do.
feb 5, 2025, 4:26 pm • 6 0 • view
This thought occurred to me as well!
feb 5, 2025, 4:31 pm • 0 0 • view
My financial advisor suggested that I do this last year. You can also unfreeze your credit temporarily if you need to apply for a loan.
feb 5, 2025, 4:21 pm • 1 0 • view
All 3 credit agencies? SO he can see the credit scores of NON Americans as well?? Such as Canada!! This is NOT GOOD!!!
feb 5, 2025, 5:52 pm • 2 0 • view
No, I don't think that's what this is saying. He has access to people in the US gov systems. That's why the suggestion is for us to freeze our credit. I haven't seen reports that he has access to credit bureaus.
feb 5, 2025, 6:01 pm • 3 0 • view
OH.. OK.. TY... I can calm down now!!
feb 5, 2025, 11:25 pm • 2 0 • view
i just froze mine. is there anything else we can do?
feb 5, 2025, 4:27 pm • 3 1 • view
Done ✅
feb 6, 2025, 8:05 pm • 0 0 • view
Did ours yesterday!
feb 6, 2025, 4:58 pm • 0 0 • view
Mine have been frozen for years
feb 6, 2025, 1:54 pm • 1 0 • view
I froze mine when someone tried to order two credit cards in my name. You only need to unfreeze it if you are applying for a new card or some kind of loan. Smart and simple to do.
feb 5, 2025, 4:12 pm • 1 0 • view
Mine stays frozen unless I need it. Safer that way.
feb 5, 2025, 6:48 pm • 0 0 • view
Also it should be 100% free. Search the three credit Bureau sites until you find the free freeze. They sometimes try to push you towards paid monitoring. You must do this on all 3 sites. Experian, trans Union and Equifax.
feb 6, 2025, 7:36 pm • 7 1 • view
Jokes on him. I don't have any credit HAH HAH.
feb 5, 2025, 5:00 pm • 0 0 • view
I froze mine a few months ago. Easy peezy.
feb 5, 2025, 4:29 pm • 0 0 • view
I froze mine last year. Thanks for amplifying this.
feb 5, 2025, 4:56 pm • 0 0 • view
Yes! I did this yesterday and had my daughter do the same for herself and her family!
feb 5, 2025, 5:56 pm • 0 0 • view
📌
aug 28, 2025, 12:33 am • 0 0 • view
And Innovis. www.innovis.com/securityFree...
feb 5, 2025, 4:41 pm • 0 0 • view
🙏🏽
feb 5, 2025, 5:56 pm • 0 0 • view
Anyone who can direct deposit to your bank account also has authority to reverse funds out. The bank will NOT intervene as you gave permission for their access. Move your money out of accounts where the gov has sent you checks. Do not file your income tax.
feb 5, 2025, 5:01 pm • 3 1 • view
I already filed my taxes via Cash app
feb 5, 2025, 5:06 pm • 0 0 • view
I did this and also visited my bank and did everything they offer for fraud protection.
feb 5, 2025, 5:07 pm • 0 0 • view
Mine's been frozen ever since that credit bureau got hacked years ago.
aug 27, 2025, 2:27 pm • 0 0 • view
Can we push the credit bureaus by calling them to see what they're doing to protect our data
feb 6, 2025, 12:51 am • 1 0 • view
This is a good opsec PSA that will help prevent some fraud. What I worry about now is if they do away with the FDIC. This will inevitably cause a bank run and potentially cause another economic crash worse than 2008.
feb 6, 2025, 12:40 am • 14 0 • view
You do realize he now has the banking information for everyone on Social Security. which comes through direct deposit. I was waiting for a deposit to come in. I’ll now withdraw everything except enough to keep the account open. Also the first thing Iran did was freeze the accounts of all women.
feb 6, 2025, 1:07 am • 31 8 • view
Already know he has that info on every American just thru hacking the IRS alone. I might have to visit my bank this week to ask some questions. Sheesh if the bank run happens we will be storing our money just like the old days before the 1920s.
feb 6, 2025, 2:22 am • 4 0 • view
I liquidated my savings prior to the election for this very reason. Not a lesson I was willing to learn the hard way. My husband fell at work & died one God-awful day in 2017 for what economic security the children & I have, they are not taking it. FDIC/NCUA my a$$. Uh-uh, nope.
feb 7, 2025, 6:46 am • 0 0 • view
Jfc
feb 6, 2025, 4:28 am • 0 0 • view
I am thinking of doing the same and transferring our most of my direct deposit from Capital One to Penfed. Do you think that's safe, or do I need to have it in cash instead of any bank at all?
feb 6, 2025, 2:04 am • 0 0 • view
I would at least consult your bank before you do that.I imagine if enough of us call and question the integrity of the bank if Elon and Trump did rid it of FDIC they would feel pressure to contact Repubs to walk it back. People will never trust banks if that happens certain hell will break loose.
feb 6, 2025, 2:27 am • 3 0 • view
I worry about that too.
feb 6, 2025, 1:09 am • 1 0 • view
Yeah well, I know it's small comfort but I guess we can't count on the ethics or morality but the greed and fear they have of enough people saying JFC. Without the FDIC the banks know the fractional reserve system they use to store money would collapse under a Bankrun.
feb 6, 2025, 2:46 pm • 1 0 • view
Ours is already frozen. We are in the process of getting a second checking account.
feb 5, 2025, 4:19 pm • 1 0 • view
Done. Someone (can’t recall who, sorry) suggested also downloading your most recent Social Security statement and Benefits Verification Letter, so did that too.
feb 5, 2025, 6:22 pm • 0 1 • view
FEM. FDT.
feb 5, 2025, 4:40 pm • 0 0 • view
I froze mine a month ago all three of them
feb 5, 2025, 4:10 pm • 1 0 • view
Best advice when it comes to credit.
aug 27, 2025, 6:44 pm • 1 0 • view
I believe there are bots on here directing people to myss.gov. IT'S NOT AN OFFICIAL SITE!!! It's ssa.gov
feb 5, 2025, 8:42 pm • 0 0 • view
Did.
feb 6, 2025, 2:13 am • 0 0 • view
Good advice. Froze mine months ago.
feb 6, 2025, 1:16 pm • 0 0 • view
How do you do that?
feb 5, 2025, 8:42 pm • 80 3 • view
Contact Experian, TransUnion & Equifax. You can get online and create an account at each one and freeze. You can go back in and "unfreeze" it when you're needing them to access it.
feb 5, 2025, 8:43 pm • 1 1 • view
feb 6, 2025, 5:25 am • 14 8 • view
I had never heard of this!
feb 5, 2025, 8:51 pm • 0 0 • view
Ya..how
feb 5, 2025, 8:46 pm • 0 0 • view
www.usa.gov/credit-freeze
feb 6, 2025, 1:25 pm • 32 17 • view
📌
aug 27, 2025, 4:45 am • 0 0 • view
📌
aug 27, 2025, 5:11 am • 0 0 • view
With all the security breeches I get free monitoring/lock…but that’s not a freeze. Updated my accounts
feb 6, 2025, 3:53 pm • 4 1 • view
You go to each credit agency and create an account and then freeze it. Pretty simple and free to do.
feb 5, 2025, 8:43 pm • 0 0 • view
📌
aug 27, 2025, 4:47 am • 0 0 • view
It's easy to unfreeze if you need to apply for credit. Do not let that stop you from protecting your credit/identity.
feb 6, 2025, 1:25 am • 0 0 • view
bsky.app/profile/snac...
aug 27, 2025, 3:12 pm • 3 0 • view
Besides freezing your credit with the 3 bureaus, go to optoutprescreen.com to opt out of the credit bureaus from selling your information
feb 5, 2025, 8:52 pm • 6 3 • view
📌
aug 27, 2025, 4:06 am • 0 0 • view
📌
aug 27, 2025, 7:36 pm • 0 0 • view
📌
aug 27, 2025, 5:10 am • 0 0 • view
This should help! www.nerdwallet.com/article/fina...
feb 5, 2025, 8:43 pm • 10 5 • view
Thank you for sharing
aug 27, 2025, 11:41 am • 1 0 • view
Morgan, you would need to create an account login for each of the three credit bureaus. TransUnion, Equifax and Experian. In most cases, you would have to pay a monthly subscription fee for the service. Then you can lock your credit with each agency. I have done this for the last several years.
feb 5, 2025, 9:06 pm • 1 0 • view
Freezing and thawing your accounts with the big three, Experian, Equifax, and TransUnion, is free. It is very easy to temporarily unfreeze when the need arises.
aug 27, 2025, 6:19 pm • 0 0 • view
I don’t pay anything at all three
feb 5, 2025, 9:08 pm • 0 0 • view
Absolutely right, don't pay anything. And if you do pay accidentally, as my daughter did, it can be reversed.
feb 5, 2025, 9:12 pm • 0 0 • view
Neither did I at one time but depending on the services you request, not everything is free which includes credit monitoring. Prices vary and having access to your report, locking them are different features.So perhaps you can share what service you receive at no cost in order to lock your credit.
feb 5, 2025, 9:16 pm • 1 1 • view
Summary: Credit freezes and credit locks function similarly, but there are some differences. Both a credit freeze and a credit lock can help prevent unauthorized access to your credit reports. Credit freezes are always free, but credit locks may be a part of a paid service offered by a credit moni
feb 5, 2025, 9:42 pm • 3 1 • view
I’m thinking about credit freezes which are free at all three
feb 5, 2025, 9:41 pm • 0 0 • view
Yes while a credit freeze is free and is regulated by state and federal laws, a credit lock is not regulated by law and may require a fee. A credit freeze is a better option if you want stronger and is legally protected. A credit lock is convenient if you need to access your credit more frequently.
feb 5, 2025, 10:23 pm • 1 0 • view
Also; lock your SSN here: www.e-verify.gov/employees/my... And file a formal complaint with your State’s Attorney General. Mine had an online form with various complaint categories of which one was Technology & Information Privacy.
feb 5, 2025, 9:22 pm • 50 13 • view
📌
aug 27, 2025, 11:08 am • 0 1 • view
They took the page down : (
feb 6, 2025, 1:42 pm • 5 0 • view
It’s still there myeverify.uscis.gov
feb 6, 2025, 1:54 pm • 23 5 • view
Scary to trust a gov site right now
aug 27, 2025, 8:22 pm • 1 0 • view
I know. I did this 6 months ago. Not sure why my post is circulating again now.
aug 27, 2025, 8:51 pm • 0 0 • view
aug 27, 2025, 4:08 am • 11 4 • view
still down as of 4:56pm
aug 27, 2025, 8:56 pm • 0 0 • view
My original post was 6 months ago. Not sure what the issue is now.
aug 28, 2025, 1:16 am • 1 0 • view
It’s free. www.usa.gov/credit-freeze
feb 5, 2025, 10:25 pm • 3 1 • view
Thanks for sharing this. Done!
feb 6, 2025, 12:59 am • 1 0 • view
You can make a free account with each of the three credit bureaus and there’s a simple dashboard that lets you freeze and unfreeze your credit. Very good idea to do that for all of your family members.
feb 5, 2025, 9:44 pm • 2 1 • view
www.nerdwallet.com/article/fina...
feb 5, 2025, 8:43 pm • 0 0 • view
Start with one. Simple process to do and similar for all three.
feb 5, 2025, 8:44 pm • 5 1 • view
If you have your banks app on your phone there's usually a way to do it in the app and like she said you can turn it back on when you need to use it.
feb 5, 2025, 10:02 pm • 0 0 • view
Each website walks you through it.
feb 5, 2025, 8:43 pm • 0 0 • view
www.nerdwallet.com/article/fina...
feb 5, 2025, 8:43 pm • 2 1 • view
Good question
feb 5, 2025, 8:53 pm • 0 0 • view
You can also go to everify.gov and lock your ssn
feb 5, 2025, 8:47 pm • 2 1 • view
Done!
feb 6, 2025, 12:02 am • 0 0 • view
I froze ours in 2013 after someone tried to file a false tax return using our SSN. Unlocking them is now a lot easier since it can be done online AND they are no longer allowed to charge for pausing the freeze.
feb 5, 2025, 4:18 pm • 0 0 • view
Done. Thanks for the heads-up!!!
feb 5, 2025, 11:37 pm • 0 0 • view
Froze mine already thanks to having my identity stolen twice!
feb 6, 2025, 1:01 am • 0 0 • view
did the same a long time ago.
feb 5, 2025, 11:43 pm • 0 0 • view
Your concern should be his new found ability to put you on the dead list and freeze every asset and account you have. That might also begin the transference of your estate and sale of your home. What they’ve done is unprecedented and frightening. Keep at least some cash available for emergency.
feb 5, 2025, 10:36 pm • 11 0 • view
yes because if they aren't going to take taxes they have to pay for this shit somehow...
feb 6, 2025, 2:08 am • 2 0 • view
Good idea, because knowing these assholes they will probably say due to the new rampant credit card fraud companies no longer have to reimburse for fraudulent charges
feb 5, 2025, 4:40 pm • 0 0 • view
Mine has been frozen on all 4 credit bureaus since the OPM data breach of 2015-2017
feb 5, 2025, 4:48 pm • 1 0 • view
Froze mine a while back too. It’s an excellent idea
feb 5, 2025, 4:13 pm • 1 0 • view
Mine has been frozen since it began as an option. The 2 minute online capability to freeze/unfreeze is an awesome tool!
feb 5, 2025, 11:59 pm • 6 0 • view
I'll be freezing my credit, I honestly didn't think of this. My sister has no credit just a bank account, but might as well freeze her credit too. Also we share an account that was our dad's retirement funds we need to keep that safe too somehow
feb 5, 2025, 4:47 pm • 3 0 • view
You may also want to go to your myss.gov account and copy and screenshot your earnings history and your benefits letter. If it is disappeared, at least you’ll have some type of proof.
feb 5, 2025, 7:30 pm • 21 3 • view
I already did this
feb 5, 2025, 9:51 pm • 1 0 • view
SCAM!
feb 5, 2025, 9:15 pm • 0 0 • view
Not if you’re created your “My SS” (myss.gov) account from the main SSA.gov site.
feb 5, 2025, 11:02 pm • 1 0 • view
Oh, ok!
feb 5, 2025, 11:11 pm • 1 0 • view
feb 5, 2025, 11:13 pm • 0 0 • view
Seems to be down
feb 5, 2025, 8:28 pm • 5 0 • view
Oh shit!
feb 6, 2025, 12:07 am • 0 0 • view
Try this www.ssa.gov/myaccount/
feb 5, 2025, 9:26 pm • 12 0 • view
It’s gone, disappeared. Poof.
feb 5, 2025, 8:47 pm • 1 0 • view
Go to SSA.GOV
feb 5, 2025, 9:23 pm • 2 0 • view
Try this www.ssa.gov/myaccount/
feb 5, 2025, 9:26 pm • 1 0 • view
Hopefully, if you get the occasional letters for SS status, you've held onto some/all.
feb 5, 2025, 8:55 pm • 3 0 • view
You can set up a “My SS” account and they’ll all be there for you too, and can be printed out of copied to a file on your computer.
feb 5, 2025, 11:16 pm • 3 0 • view
Whew, I was able to get into the site secure.ssa.gov/RIL/SiView.a...
feb 5, 2025, 11:22 pm • 2 0 • view
Both of these applied to me, so I’m not worried about my situation at least. I just checked my balance and I’ve got something in there. I’m more worried about my boyfriend, but I think he’ll be okay.
feb 6, 2025, 1:09 am • 1 0 • view
It’s not there anymore. Fuck.
feb 5, 2025, 9:11 pm • 0 0 • view
feb 5, 2025, 11:14 pm • 0 0 • view
Yeah, I found it and tried to set up an account. It said we are unable to create an account for the ss number at this time. I doubled checked all my info and got the same “error” message.
feb 5, 2025, 11:40 pm • 0 0 • view
This is not the government site for Social Security!!!!!! It's ssa.gov
feb 5, 2025, 8:41 pm • 4 0 • view
It is your SS site you set up following the instructions on the main SSA website. ⬇️
feb 5, 2025, 11:13 pm • 0 0 • view
Thank you for correcting me! Still not working though...
feb 5, 2025, 11:51 pm • 0 0 • view
Go to SSA.gov/myaccount and look for the “create account” button the create your MySS.gov account.
feb 6, 2025, 3:59 am • 0 0 • view
Thank you! I was just able to access my info here (and save a copy of it)
feb 5, 2025, 9:19 pm • 1 0 • view
I just did this yesterday after reading someone else’s post suggesting the same thing.
feb 5, 2025, 8:27 pm • 4 0 • view
I did this a few years ago during some data breeches. Good thing I haven’t unfroze them. However, wonder if a class action might be warranted if a flood of unauthorized things start to happen on Americans’ accounts.
feb 5, 2025, 4:32 pm • 1 0 • view
Just my opinion, but a class action would most certainly seem warranted just for sheer fact an unelected, maniacal drug addled, lunatic and his mini me(s) have complete access and control over our personally identifiable information and financial lives without our consent, period. 🤷
feb 5, 2025, 5:05 pm • 2 0 • view
If one is on Medicare, they no doubt have access to your health info as well. It's infuriating. Musk needs to be sued and so do his cadre of little boys moving my info illegally from government databases to Musk's private server(s). And now, student loan applicants etc. which includes parental info.
feb 5, 2025, 10:36 pm • 2 1 • view
I keep mine locked, as do my daughters, but it’s an excellent suggestion for everyone!!
feb 5, 2025, 4:22 pm • 0 0 • view
Posted this, about the same time you were posting yours - agree, everyone needs to freeze all credit bsky.app/profile/heli...
feb 5, 2025, 5:07 pm • 0 0 • view
bsky.app/profile/snac...
aug 27, 2025, 3:12 pm • 1 1 • view
That’s good advice
feb 5, 2025, 4:50 pm • 0 0 • view
Absolutely. Mine has always been frozen, I like that it’s a pain in the azz to unfreeze. 😂
aug 27, 2025, 12:48 pm • 1 0 • view
I'm in a pretty bad financial situation, with alot of debt that I cannot pay right now. What do you think will happen to people like me in this situation? Is there anything I can do? (Besides the obvious, I'm working on it)
feb 5, 2025, 7:52 pm • 0 0 • view
You can also do this This is important because the banking Lobby is huge and if they believe that enough of us are going to start pulling money out of the huge corporate banks and move to smaller local credit unions because of Doge they're going to start putting pressure on the Republican Party.
feb 5, 2025, 10:27 pm • 93 42 • view
I did this during the financial crisis of 2008. My accounts have been with the state credit union since. Less fees, less red tape, no mergers. The only negative is reduced access to ATMs, and it’s not that big of a burden as I haven’t even used one in a year or more. I highly endorse!
aug 27, 2025, 9:12 am • 1 0 • view
Lucky I have been with a local Credit Union for the past 50 years. Did this in the 70 's when there were some bank failures.
feb 6, 2025, 1:58 pm • 0 0 • view
Where would you move it
feb 6, 2025, 4:07 am • 0 0 • view
That's got to be a personal choice. You could choose to move it to a locally owned and locally managed Credit Union so your money went back into your community. You can invest it in offshore accounts if you have that much or you can keep it in a coffee can or under your mattress.
feb 6, 2025, 4:23 am • 1 0 • view
And I'm truly not trying to be an a******. It's got to be an absolute personal choice. You should at least freeze your credit, talk to your bank about your concerns and have a plan if you have to move your money quickly
feb 6, 2025, 4:23 am • 1 0 • view
📌
feb 6, 2025, 12:34 am • 1 0 • view
Did this yesterday, included my investment co, too, also spoke with my AG's office. AG confirmed my action of adding fraud alerts on all accts, and was told to monitor my credit report.
feb 6, 2025, 2:25 am • 25 5 • view
We've never screwed around with big banks. Our money has always been in Credit Unions.
feb 6, 2025, 11:58 am • 5 0 • view
Many years ago I had my funds in a big bank and it cured me of that mistake forever. I've been with a credit union for almost 30 years couldn't be happier
feb 6, 2025, 1:01 pm • 4 0 • view
Thank you!
feb 6, 2025, 12:54 am • 1 0 • view
Can one of you post how to do this and what the steps are?
feb 5, 2025, 10:26 pm • 0 0 • view
just google freeze your credit. it’s easy.
feb 5, 2025, 10:49 pm • 0 0 • view
Excellent!!!
feb 5, 2025, 10:30 pm • 0 0 • view
Please understand that there is a difference between a "lock" and a "freeze." A lock still allows "soft" (won't impact your scores) inquires for marketing and "prequalification" offers, which the bureaus prefer you to use. A "freeze" prevents all inquiries to your credit data.
feb 5, 2025, 4:37 pm • 15 0 • view
The government, or an oligarch being allowed masquerade as the government, may still be able to access a frozen profile. It's still worth doing, as at least it can prevent anyone else from accessing your data.
feb 5, 2025, 4:50 pm • 9 1 • view
📌
aug 27, 2025, 4:55 am • 0 0 • view
Froze mine many years ago, too. Never regreted it.
feb 6, 2025, 12:54 am • 0 0 • view
Oops. "regretted"
feb 6, 2025, 1:46 am • 0 0 • view
Make sure when you put the freeze on your credit that you choose the free option not the one they charge you for. Read the fine print before you choose.
feb 5, 2025, 5:37 pm • 1 0 • view
I just did it, it's easy. www.nerdwallet.com/article/fina...
feb 5, 2025, 5:48 pm • 44 21 • view
Excellent link! Thank you!
aug 27, 2025, 11:21 am • 3 0 • view
Im doing this today. Excellent link.
aug 27, 2025, 12:59 pm • 2 0 • view
📌
feb 5, 2025, 5:38 pm • 0 0 • view
Also, if you have a TreasuryDirect account I'd suggest downloading and printing your holdings. If you are on Social Security or will be soon, I'd also suggest downloading your most recent statement and earnings record from SSA.gov. We can be erased!
feb 5, 2025, 4:40 pm • 0 0 • view
thanks. Just did that.
feb 5, 2025, 4:45 pm • 1 0 • view
I tried to access SS. Unable to get into my account. First time ever that I can’t get in,
feb 5, 2025, 4:49 pm • 1 0 • view
Odd. I just tried after seeing your post, and got in without difficulty. I hope you're able to get there!
feb 5, 2025, 5:50 pm • 0 0 • view
I did on third time. I could get in it just wouldn’t let me look at any of my data. I made a copy so all is good!
feb 5, 2025, 7:10 pm • 1 0 • view
I just tried to access SS. This is what I hot. First time ever that I haven’t been able to access my account.
feb 5, 2025, 4:47 pm • 0 0 • view
😭
feb 5, 2025, 4:50 pm • 1 0 • view
feb 5, 2025, 4:14 pm • 0 1 • view
📌
aug 27, 2025, 8:56 am • 0 0 • view
That’s a good idea.
feb 5, 2025, 8:23 pm • 0 0 • view
Don‘t you mean four agencies?
feb 5, 2025, 4:13 pm • 0 0 • view
The problem is the government looks to be exempt. Read the fine print. Also these fuckers probably know how to spoof government entities. We need to CALL our Senators and states attorneys now and tell them to tell the 3 bureaus to NOT honor ANY info requests from our goddam government for now!!
feb 5, 2025, 6:42 pm • 5 0 • view
Which 3 agencies? What does it mean to pull credit from an agency?
feb 6, 2025, 7:12 am • 1 0 • view
I froze all mine last month. You can do it online and it's very easy. I also downloaded my earnings statement from the Social Security website. I urge all of you set up an account with them and check if often.
feb 5, 2025, 5:20 pm • 6 0 • view
Download a print. You never know what will disappear.
aug 27, 2025, 5:40 pm • 0 0 • view
I don't mean to be dense and I'm not disagreeing, but what do we think Musk will do with the info? Also with our SS number? And is anyone doing anything with your retirement accounts through employers?
feb 5, 2025, 4:43 pm • 1 0 • view
Open a new bank account.
feb 5, 2025, 9:30 pm • 0 0 • view
I’ve had mine frozen since the Equifax breach.
feb 5, 2025, 4:55 pm • 0 0 • view
This is the second time all social security numbers have been exposed. I suspect the first time was also Musk and it was used to interfere in the elections
feb 6, 2025, 1:10 pm • 14 1 • view
Yep! Easy peazy.
feb 5, 2025, 10:36 pm • 1 0 • view
Yes! When I called the OR Attorney General they actually told me to do this and walked me through all of the steps while I did it. I love how supportive my state government is. They have been so helpful.
feb 5, 2025, 4:16 pm • 187 11 • view
Great article regarding freezing nordprotect.com/blog/how-to-...
aug 27, 2025, 3:26 pm • 1 1 • view
@doj.oregon.gov for a follow
feb 5, 2025, 8:26 pm • 0 0 • view
I sent him an email this morning wondering if there could be a lawsuit brought for privacy breach....
feb 5, 2025, 8:23 pm • 33 2 • view
I believe I have read about lawsuits but I can't remember who brought them.
feb 5, 2025, 11:38 pm • 10 0 • view
Keep us posted on the response or other routes we can take!
feb 5, 2025, 8:54 pm • 2 0 • view
I called. No reply.
feb 6, 2025, 12:57 am • 0 0 • view
They never do anything about it.
aug 27, 2025, 7:17 pm • 0 0 • view
My AG rocks. He has been using right and left and put up a tracker on his website so we could see what he is doing and how far it is in the courts..... Did I say: MY. A. G. ROCKS!!!!
aug 27, 2025, 7:36 pm • 2 0 • view
Who's your AG?
aug 27, 2025, 10:29 pm • 0 0 • view
@agdanrayfield.bsky.social ..... Dan Rayfield
aug 27, 2025, 10:42 pm • 0 0 • view
www.doj.state.or.us/oregon-depar...
aug 27, 2025, 10:43 pm • 1 1 • view
Dan Rayfield for the win!
feb 5, 2025, 4:59 pm • 14 0 • view
He is pretty darned amazing
feb 5, 2025, 8:23 pm • 1 0 • view
That’s awesome!
feb 5, 2025, 5:29 pm • 2 0 • view
Go to all credit agencies website. TransUnion, Equifax and you'll see how. Come on people. It's not hard. Also, how has anyone not heard of LifeLock?
feb 5, 2025, 4:12 pm • 0 0 • view
Whats the cost of that?
aug 27, 2025, 10:35 am • 0 0 • view
Did that on my Experian, and Lexus Nexus accounts.
feb 5, 2025, 6:17 pm • 2 0 • view
Thanks for this: simple, practical, no downside. Done and done.
feb 5, 2025, 7:49 pm • 1 0 • view
📌
feb 6, 2025, 5:16 am • 0 0 • view
What could be the negative repercussions of doing this…if any?
aug 27, 2025, 8:52 am • 0 0 • view
Not a negative but if you forgot that you froze, then applied for something, the application stops in its tracks. Then you need to thaw.
aug 27, 2025, 11:21 am • 2 0 • view
Can't he just break into all 3 credit reporting agencies?
feb 5, 2025, 4:20 pm • 12 0 • view
Question. Can you freeze your child's credit? Is that even possible. They have a social security number. I'm more worried about their's than mine right now
feb 5, 2025, 5:24 pm • 3 0 • view
My bank: “Is there something specific that has happened recently that gives you cause for concern?” 😳
feb 5, 2025, 6:37 pm • 51 0 • view
"Pending" deposits that I have never seen before.
feb 5, 2025, 7:31 pm • 6 0 • view
This happened to me this week...never seen that before.
aug 27, 2025, 1:04 pm • 0 0 • view
I had all my charges "pending for five days". What the hell is THAT all about I wonder.
feb 5, 2025, 10:52 pm • 2 0 • view
That’s them operating on your money without paying you interest for the right to do so! That’s *exactly* what that is!🤬
aug 27, 2025, 6:39 pm • 4 0 • view
Was it an interest adjustment credit from Feb 6?
feb 7, 2025, 3:09 am • 0 0 • view
Yes!
feb 5, 2025, 8:50 pm • 0 0 • view
I froze it during COVID when a Nigerian unemployment scam got a bunch of my employer's data, and were filing fake unemployment claims. I left it frozen, because I didn't need to apply for anything. I've been perfectly happy.
feb 5, 2025, 4:53 pm • 3 0 • view
Same here and I’m also taking the federal taxes I owe this year and setting them aside until I’m confident that my information and funds won’t be used against me to help overthrow the government and country.
feb 5, 2025, 4:38 pm • 0 0 • view
I too froze mine long ago when someone tried to file a false tax return. That was in the days you had to call the credit bureaus and do it over the phone. They’ve made it so much easier to freeze and unfreeze it if needed.
feb 5, 2025, 8:04 pm • 3 0 • view
Everyone with student loan debt should immediately claim that they have a zero balance and sue claiming Musk's Musckratz must have modified the data with their server takeover.
feb 5, 2025, 7:41 pm • 35 3 • view
This is interesting, because my friend checked her student loan balance thinking she’d gotten it low enough to pay off, and discovered about a year’s worth of payments hadn’t been credited. Would their server takeover actually cause something like this?
aug 27, 2025, 9:21 am • 4 0 • view
Yes
aug 27, 2025, 1:48 pm • 0 0 • view
I've had mine frozen for years and can attest that it's very easy to unfreeze for a credit check. Can be done in seconds online.
feb 6, 2025, 8:51 am • 0 0 • view
I’ve written to my congresspeople asking for identity theft coverage in the wake of this and you should too
feb 6, 2025, 4:53 am • 0 0 • view
Thank you for this invaluable suggestion! I just knocked all three out in less than 10 minutes! ✊
feb 5, 2025, 11:45 pm • 1 0 • view
Frozen long ago too....
feb 5, 2025, 4:18 pm • 0 0 • view
Walk me through the benefit of freezing and what to do pls. I'm new at this whole government wants to steal my SS number and screw me over by oligarchy dictatorship wannabe's
feb 5, 2025, 7:46 pm • 7 0 • view
It means that credit card companies and loan agencies, anyone who might run a credit check to open accounts cannot open those accounts if your credit is frozen. So if someone has your SS# and tries to open an account, they can’t.
feb 5, 2025, 8:08 pm • 5 0 • view
But you can use your credit cards as usual?
feb 5, 2025, 8:24 pm • 3 0 • view
Yes. You can still use your existing credit cards with your existing credit line. You can also transfer the credit line limits among the cards from the same bank. We do this regularly to keep the limit/losses low on the cards we use daily for smaller expenses.
feb 5, 2025, 9:04 pm • 4 0 • view
Beware that your FICO will drop instantly if you make a large purchase on a card with a smaller credit line. The percent of credit used for FICO is calculated per card, NOT per your entire credit line with that bank.
feb 5, 2025, 9:09 pm • 3 0 • view
Thank you for that. How do you freeze your credit? Also, my son is in college and since they've got the federal grant information, we're concerned with his information as well. If we freeze his, can he still receive his financial aid and federal grants?
feb 5, 2025, 8:24 pm • 0 0 • view
If you go to each of the credit bureau websites it should tell you how to do this. I don’t know if they pull credit reports for student loans and grants. Does anyone on here known the answer?
feb 5, 2025, 8:49 pm • 0 0 • view
oh wow...
feb 5, 2025, 4:11 pm • 1 0 • view
Did all three last night. Should have done it a long time ago
feb 5, 2025, 9:57 pm • 0 0 • view
Done.
feb 5, 2025, 4:26 pm • 0 0 • view
I froze mine when those national database losers had a breach. Pro tip: Parents need to write in snail mail to request freezes on children credit. Archaic …
feb 5, 2025, 4:35 pm • 1 0 • view
The best thing I ever did.
feb 5, 2025, 6:13 pm • 1 0 • view
Mine too! For a long time as well.
feb 6, 2025, 2:19 am • 0 0 • view
Both husband and I did that a couple of years ago when both of our SS's showed up on the dark web. No problems since then, and they are staying frozen.
feb 6, 2025, 1:57 am • 2 0 • view
There is a fourth agency. Innovis.
feb 5, 2025, 4:22 pm • 2 0 • view
#USprotest #musk #hacked Over the weekend the “biggest, most important data breach in the history of the world,” he reiterated that Musk, who is an unelected government official, has been given access to information that no political operative has been given before. www.thewrap.com/lawrence-o-d...
feb 5, 2025, 11:39 pm • 51 25 • view
Musk’s minions given write-access to the government systems. www.wired.com/story/treasu...
feb 11, 2025, 5:31 am • 6 6 • view
Musk? Russia and China have our info! 🤬🤬🤬 Big balls (he gave himself that nickname!) needs to be arrested and sent to prison! In prison they’ll find out just how “big” his balls are.
aug 27, 2025, 5:45 am • 9 2 • view
Getting my taxes done tomorrow
feb 5, 2025, 4:15 pm • 0 0 • view
I'm a fuck those lil boys up, if O don't get my pay
feb 5, 2025, 4:18 pm • 4 0 • view