News for hackers. Stuff that matters.
Re:Equifax Faces Multibillion-Dollar Lawsuit Over Hack by colordrops on Friday September 08, 2017 @07:54PM (#15204815)
Does it affect your credit rating to freeze and unfreeze your credit? I wouldn't be surprised if it does. It's insane to me that looking up your credit rating negatively affects it. WTF is that about?
Re:Equifax Faces Multibillion-Dollar Lawsuit Over Hack by aioprisan on Friday September 08, 2017 @08:47PM (#15204987)
Freezing/unfreezing does nothing to your credit score. Also, looking up your credit score and pulling a report for personal reasons (read: not a credit line application) will NEVER affect your score. It's what they call a soft credit inquiry, which is not shown on your report when creditors pull it, and won't factor in to credit score calculations. https://www.creditkarma.com/article/hard_inquiries_and_soft_...
Re:Equifax Faces Multibillion-Dollar Lawsuit Over Hack by jaranha on Friday September 08, 2017 @08:24PM (#15204913)
It does not affect your credit rating for freezes and unfreezes. And it's a good thing that hard pulls on your credit affect your score, because it's a stop gap for excessively requesting credit. It can also prevent heavy fraud because creditors will often reject potential customers with too many hard pulls.