[l2ridehd]

You really need to freeze all three credit reporting agencies. Experian, Trans Union and Equifax. This is free if over 65. It causes very little problems. If for any reason I need my credit checked by a bank or something, I just ask which of the three agencies do you use and unfreeze just that one. Except Experian. I will never unfreeze that one for any reason. Don't want to give them any business. If you go online to get your free annual credit report, two are very easy and straight forward, but Experian always gives you problems and tries to sell you something to get it. Part of their marketing plan. So they will never get any business from my account. It will remain frozen forever. If someone says the use them, I tell them to pick another one and I tell them why. If they can't or wont, I go elsewhere.