[albroland]

Correct me if I’m wrong, but I’ve signed up for all 3 bureaus and enabled the credit freeze. My understanding, and experience years later, is that it is still frozen. I had to unfreeze a specific one last year for an auto loan.

Is there something else I’m missing that’s only temporary?

[benlivengood]

The fraud alert adds a requirement that potential lenders call a phone number added to the credit file to authorize new loans/accounts, making it significantly less likely that fraud can take place.

[albroland]

TIL! Ty, I'll keep this in mind next time my credit card number is inevitably compromised.

[fordholes]

If someone hijacks your account they can unfreeze your credit. It’s easy to hijack accounts.

[albroland]

I understand that, I’m curious if reporting fraud activity helps prevent that in some way like the parent comment seems to suggest, if only for a year.