You Need to Freeze Your Credit! – Episode 038

September 25, 2018
You Need to Freeze Your Credit!

Yep, the Equifax headquarters is directly across from where Joel works!

After the Equifax data breach where 148 million people’s personal information was compromised, it’s especially easy to see how vulnerable we are as consumers. So now more than ever is the time to freeze your credit! A new federal law has made it completely free to freeze and thaw your credit, so you don’t have any more excuses. In this episode we talk about why this is so important, we cover what a freeze does (and what it doesn’t do), and then we tell you exactly how to do it. Seriously it’s so incredibly easy that it shouldn’t take you more than about 5 minutes from start to finish!

Here are the links for the three major credit bureaus plus that new one:

  1. Equifax credit freeze
  2. Transunion credit freeze
  3. Experian credit freeze
  4. National Consumer Telecom and Utilities Exchange credit freeze

Alchemist Focal BangerAt the beginning of this episode we enjoyed a Focal Banger by the Alchemist which you can find and learn all about on Untappd. A huge thanks to our friend and pastor Matthew for donating this beer and supporting the show! If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts, Castbox, or wherever you get your podcasts!


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7 comments on “You Need to Freeze Your Credit! – Episode 038

  1. Great recommendation, I just freezed my credit score. The Exchange Service Center freeze took so long!!

  2. Thanks for the tip! And for others who don’t use iTunes, here’s the current podcast feed URL:

    It is my fervent wish that all podcasts would share their feed URLs directly.

  3. Corianna Culp Jan 17, 2019

    This episode was great. And I appreciate the links in the show notes. I doubt I would have found those pages without the links. My credit is frozen now. I’m making 2019 the year I get out of credit card debt. Love the show!! Very practical and inspiring!!

  4. Holy crap guys! Awesome episode! My Wife and I are young early retirees enjoying the fruits of our labor over the years through full time employment and Real estate investing. We no longer need our credit and wanted to block all the scammers out there. I stumbled upon your credit freeze podcast and promptly froze everything. Wow! thanks for the correct links. What a breeze. Just like you talked about.

  5. Tom M Feb 15, 2019

    Good podcast, thanks. I’ve been putting this off as it’s so much hassle, but the consequences of your identity being stolen sound like a lot more! My experience – Transunion and Experian were easy, done in 5 minutes. Equifax of course was not. It asked me all sorts of questions about my credit history which did not make sense (I’ve only lived in the US for 2.5 years). When that failed, it offered to email me a pin by mail which I did not want to do for security purposes. I didn’t include a text number back at the start of sign-up as I didn’t want to give them even more info. I went back to log in and try again and lo and behold it would not let me. I then tried the National Consumer Telecom and Utilities Exchange credit freeze – page kept timing out. What a con! Not sure what to do with those two now except ring them I guess.

  6. Tom M Feb 15, 2019

    A follow-up to my first comment. I tried to call the NCTUE automated line (1-866-343-2821) after the website wouldn’t process the request and twice it also failed, saying I needed to fax some info in. Pretty dodgy! Any advice on what to do? Leave well enough alone? I don’t want to fax or mail my social security number or other personal info.

    On Equifax, I was able to freeze over the automated system. They said they would send postal confirmation too.

    This whole process to 1hr 15 mins, so I guess it’s five minutes if all goes smoothly!