@mistercheap

So excited to see this new forum!

…or before you shop for insurance, change cell providers, and so many other things where they soft or hard pull your data. I’m still tempted to freeze mine, but fear finding it will be a giant hassle to function in the real world with everything frozen. Also have to wonder if the bad guys can detect when freezes are lifted (for instance, a bot that keeps pinging to see if your data is available). If so, then the whole concept is pretty useless and expensive for the individual.

Lenovo has 64GB Lenovo ThinkPad 10 (2nd Gen) 10.1" Windows 10 Tablet on sale for $332.99 - $133.20 w/ coupon code SPECIAL40 = $199.79. Shipping is Free.

http://www3.lenovo.com/us/en/outletus/deals/current-offers/tablet-deals/ThinkPad-10-Gen-2/p/20E4S0UG00?irgw

Specs
Intel Atom x7-Z8750 Processor
4GB RAM
64GB eMMC Internal Memory
10.1" 1920x1200 IPS Display
2-cell Li-Polymer Battery, 32 Wh
Windows 10 Professional Tablet 64-bit

@mistercheap said in Free Equifax Credit Freeze Through 11-21-2017:

I believe the freeze is free only to start, if you have to unfreeze for a large purchase and re-freeze, they charge, correct?

Thanks, that’s likely the way they’re going to play it given that they’re not bothering to reimburse you for freezing your credit at the other bureaus. That makes the free freeze useless if you ask me. If you’re on the breach list, they should have the decency to give you lifetime freezing/unfreezing privileges for free. If you were planning on opening a new credit account in the near future, it may be best to do it before you initiate your free freeze.

I believe the freeze is free only to start, if you have to unfreeze for a large purchase and re-freeze, they charge, correct?

Thanks! Testing.

ETA: since the breach was found to be more extensive than previously known, this is now open to everyone and the deadline extended from 11-21-2017 to 01-31-2018 https://phatwalletforums.com/post/24137

In the wake of the Equifax data breach, they are offering to waive the fee for their credit freeze service for requests initiated through November 21st. You can request a refund if you’ve paid for this service since September 7, 2017 when they finally announced the breach (something I think they should do automatically for any of the 143 million accounts put at risk by the breach).

IMHO, it should always be free since you didn’t ask them to collect and report your private financial info, nor can you have them delete your account… but I degress.

Stolen data included name, DOB, address, emails, Social Security numbers, etc., so it is important for those affected to freeze their accounts at all 4 bureaus (Equifax should pay for that too). With a freeze, you, current creditors, debt collectors, and officials with search warrents/subpoenas can access your report but new creditors can’t, meaning new credit applications will be denied. I’m not sure how temporarily unfreezing your account for X amount of time or a specific authorized creditor/employer/landlord would work (i.e., would they charge you to refreeze it after November 21st?), but it costs about $10 unfreeze depending on your state.

To find out if your data was compromised, go here: www.equifaxsecurity2017.com

To request a free Equifax credit freeze, call 800-349-9960 (their website option is buggy).

You can also contact the other agencies at: Experian: 888‑397‑3742
TransUnion: 888-909-8872
Innovis: 800-540-2505

Thanks to Paul at TCA

Card Link

Annual fee of $95 (not waived first year)
$100 Airline Incidental Statement Credit annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services and airline lounge fees. Only applies to domestic-originated flights on certain U.S. Domestic airline carriers.
$100 airport security statement credit towards TSA Pre✓ ® or Global Entry Application fee every four year
Sign up bonus of 50,000 points after $3,000 in purchases within the first 90 days of account opening
Card earns at the following rates:
2x points for every $1 spent on travel and dining purchases [Read: Best cards for dining purchases]
1.5x points for every $1 spent on all other purchases
No foreign transaction fees
Eligible for Bank of America Preferred Rewards, meaning you can get an additional 25-75% rewards on all purchases. Makes the card earn at the following rates with top tier status:
3.5x points per $1 spent on travel & dining purchases
2.625x points per $1 spent on all other purchases
Points are worth 1¢ each and can be redeemed for cash back as a statement credit into eligible Bank of America or Merrll Lynch accounts or to purchase travel through the Bank of America travel center or to redeem gift cards

https://www.staples.com/coupons/?i

$1 ar/ac 4 ream case paper. Limit 1 Q per transaction, limit 3 rebates. (Sorry I don’t have the cost/rebate amount breakdown at posting time)