I noticed this too. I didn't realize it's a credit agency prerequisite to be willing to exploit millions of people in their time of need.
**Forget the website, just call the TransUnion Freeze hotline 888-909-8872**
*Edit: since this blew up*
If you can't get through try calling at a weird time when the volume might be low. E.g., 12:30AM
Here are the other two credit union freeze hotlines:
**Equifax: 1-800-685-1111 (NY residents 1-800-349-9960 and for you Canadians 1-800-465-7166)**
**Experian: 1 888 397 3742**
While you're at it you might as well opt out of promotional solicitations from credit unions too www.optoutprescreen.com
(Also, thanks for popping my golden cherry, stranger)
This whole thing is very eye-opening. Banks seemed like a kind of necessary evil that I didn't quite trust, but had enough of my best interest in mind to be worthwhile.
Credit agencies...I never thought I had to worry about whether or not to trust. That's our identities. Our financial rock. I've busted my ass repairing my credit, finally have decent scores, and it could all just get fucked up because of someone else's error, or deliberate corruption?
Fuck TransUnion. I froze all 3 the other day.
I also opted out of getting those annoying fucking prescreened credit card offers. Per FTC, you can opt out here: www.optoutprescreen.com
The credit bureaus have collected information without consumers direct permission and are refusing to protect it unless given $16.95 a month. Blackmailing with browser history or compromising pictures pale in comparison to what the credit bureaus are now doing. Even the Mob doesn’t have it this easy. Consumers had better play-along ‘or else’ their ability to participate in modern society will be crippled.
Equifax stands to make a lot of money selling monitoring for information they failed to protect. Charging 5-15 dollars to lock accounts will net them up to 3.0 billion dollars. Equifax also charges to unlock and lock it again. If consumers are willing to sign all their rights away Equifax will give consumers a year of security monitoring with no promise to fix your credit if it is impacted. If you actually want protection it’s $16.95 a month. That's a potential of billions of dollars a month to protect something collected without your direct permission and then lost. This seems so close to blackmail it is mind boggling. On Equifax's word; you could be prevented from getting a job, having credit cards, buying a house or car. One-hundred fifty million people are now completely exposed moving forward everyone will require credit monitoring which really is just the credit bureau's expanding their reach into consumers pockets.
Even worse Credit monitoring isn’t a guarantee of anything. Most products only promise to tell you you have been compromised you still have to go through the pain and fixing it with the small hope you can fight them to have expenses reimbursed. At least the Mob offers some actual protection from your shop being burnt down or robbed, credit monitoring doesn’t even do that. Although, you will get a text on your phone at some point after the fire begins.
Meanwhile, Equifax will go from a measly gross profit of 3.1 billion last year to the potential of 2-5 billion a month. How could they resist not leaking your information for returns like that? Congrats Equifax you just turned credit monitoring into a massive growth industry and all it took was gross negligence. And Just like the Mob they didn’t burn your shop down they just can’t stop it, unless of course, you pay $16.95 a month.
I was able to freeze my credit online with Equifax and Innovis yesterday. Experian refused saying I had to get a police report and sent it via mail with my $11 fee. Trans Union website seemed to work until I tried to pay where it said the service was unavailable.
I went to annualcreditreport.com site to order my credit report and all three of them returned "Unable to process request online." Called all three numbers and just went in circles. Fucking crooked bastards. Have we not had enough of this system of fucking all of us over yet???
They are trying to dissuade people from freezing their credit because it hurts their revenue streams. They make boatloads of money off brokering peoples data and they can't do that if people freeze their credit.