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It's cheap to freeze your credit report.



It should be free. There is absolutely zero reason why I should have to pay to see my credit report at any time, or decide that I wish to freeze my credit at any time.


Well, there is one reason: so companies like Equifax can make even more money.


It's free in some states, depending on the circumstances. And yes, it should indeed be free. I wish I could opt out of giving them any of my data entirely, but it's neither practical nor possible.


In California, a security freeze is free to identity theft victims[0] who have a police report of identity theft.

[0] https://oag.ca.gov/idtheft/facts/freeze-your-credit


Why? It's not really yours. It's service which collects and aggregates data from lenders and provides it to other lenders to evaluate your risk as a borrower. You the borrower are barely involved. There's nothing authoritative about their assessment of you other than popularity.

In another world you wouldn't even be allowed to see your number. It's not like similar agencies -- fraud detection, ad firms, social networks, spam blacklists, etc. -- let you see the profile they've built about you.

They're a for-profit company in the business of selling data, the fact that you're in the market for you own profile, to me, seems immaterial. The only reason you're required to be able to view your report once a year for free is to correct mistakes.


It absolutely is mine. It's my data, and my credit.

I do not care at all that they're a "for-profit company." I don't believe they should be able to profit on my data without allowing me to see it, and make corrections as needed.




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