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by mos1 5875 days ago
I have this on my account, and you don't need to go online to "thaw" it. The bureau calls you and asks "did you just apply for an auto loan at a Hyundai dealership in Florida?" and you reply "no, no I didn't", they say "okay, have a nice day", and that's that.

At least that's what happened when somebody tried to use my identity to buy a Hyundai in Florida.
1 comments
zaatar 5875 days ago
What you described was not the 'thaw' scenario, but rather, what credit freeze is supposed to do, by design.

The 'thaw' scenario would kick in if you were to legitimately apply yourself for an auto loan at a Hyundai dealership in Florida, and have that loan not be rejected.

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mos1 5875 days ago
When I've applied for credit, I got the same phone call but said "yes, that's me", and everything went through.
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