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The recommendation in the article was to freeze my credit reports. Fucking awesome. Equifax locked me out for 24 hours trying to access my account and Experian won't even let me access my account because their website is apparently unable to text me a four-digit code. Now I have to call and deal with customer service for both of them. At least TransUnion let me do it almost immediately.
Having to deal with this inevitable shitshow is the only reason I haven't done this yet. Every interaction I've ever had with these two companies has been a dumpster fire.
It was easy for me. I was able to do all three online with no issues. Just offering some anecdotal evidence to offset one other persons story.
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I froze my credit once and I’ll never do it again. Almost stopped the purchase of my house because it took so long to unfreeze. Screw that.
But if you don't, someone could use your now stolen SSN to do things like take out loans in your name. I don't think it would be too hard to unfreeze it before you started house shopping.
You don’t think but I know.
You said you were about to buy it. I'm saying before you even start looking for a house.
That’s fair, but I forgot since it was frozen for years. Doesn’t really matter. The point is that it takes a lot longer than people think.