[MatthewMcDonald]

FYI this was a credit _lock_, and not a credit freeze

> Unsurprisingly, the bureaus’ use of the term credit lock has confused many consumers; this was almost certainly by design. But here’s one basic fact consumers should keep in mind about these lock services: Unlike freezes, locks are not governed by any law, meaning that the credit bureaus can change the terms of these arrangements when and if it suits them to do so.

https://krebsonsecurity.com/2018/09/credit-freezes-are-free-...

[astura]

Plus Equifax and TransUnion reports are rarely used, during credit applications Experian gets pulled ~75% of the time (I churn credit cards).