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It took me a half hour, but it was painless, except for the $30 in fees. Innovis said I would get my PIN for them in the mail but also gave me a 8 digit confirmation number. Equifax supplied me with a 10 digit PIN (which was quickly automated/read to me but I was able to use the automation and press the * key to repeat it for good measure). Experian said I would get my PIN for them in the mail but also gave me a 10 digit confirmation number.
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TransUnion let me select my own 6 digit PIN. It is a automated message the entire time for every agency. I paid all three fees via credit card over the phone.
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I am in Illinois, so I was charged $10 by each agency except for Innovis, which did not ask for a fee. I began at 11:00pm CST and finished a half hour later. I had no issues with any of the agencies. I was just able to put security freezes on all 4 of my credit files over the phone. Also, see below for my experience freezing my credit lines. It's probably going to be a pain in the ass, but you've got to do it. You need to try and find the right phone number to call to speak with a human representative. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit. Get your financial house in order, learn how to better manage your money, and invest for your future. If you prefer to get information about the process by phone, the number is 88 (888-EXPERIAN).