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Ask Dave

Credit Freeze

Dave gives the basics on when and why you might want to freeze your credit report.

QUESTION: Dave talks about freezing your credit.

ANSWER: The credit bureau reporting agencies have decided that you can freeze your credit bureau report for $10. Freezing your credit keeps anyone from looking at it. I like this because it puts FICO out in the snow. You should do it to avoid some identity theft that’s out there. Now, if you are being hired for a job and they try to pull your credit, they can’t. If you want someone to see it, you need to pay $10 to thaw it out.