…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.