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We've opened maybe a couple of credit cards with good cash-back offers over the last twenty years. Beyond that, there's been no apparent need for credit checks. But, as I do the annual credit reports I see many queries - from credit card companies, home or auto insurance companies, etc.

So, if I freeze the credit account over the latest Equifax data breach, how much hassle will we be in for, seeing as though there are queries going on all the time that I'm not even aware of?
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No. of Recommendations: 3
We've opened maybe a couple of credit cards with good cash-back offers over the last twenty years. Beyond that, there's been no apparent need for credit checks. But, as I do the annual credit reports I see many queries - from credit card companies, home or auto insurance companies, etc.

So, if I freeze the credit account over the latest Equifax data breach, how much hassle will we be in for, seeing as though there are queries going on all the time that I'm not even aware of?


Unless you initiated a request for credit, those inquiries should be 'soft' checks, which can be used for screening purposes, to see if you meet criteria to be marketed to, or by companies that you already do business with, and in the fine print, have given them the right to check your credit periodically. Soft inquiries will continue, even with a credit freeze. It's only 'hard' inquiries, which are used to provide new credit, that will be stopped.

If you want to stop the screening/marketing inquiries, you will need to "opt out" either by calling 888-5OPTOUT or online at the opt out website https://www.optoutprescreen.com/?rf=t

The soft inquiries for companies that you already do business with will likely continue as long as you have an account with the company.

AJ
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