My information has been leaked several times, including in the recent Equifax fiasco. I'm considering freezing my credit report. The downsides of this seem to be the annoyance of paying a fee (to the very people who lost the information in the first place), every time I have to temporarily unfreeze (to apply for a job, etc.) I've also heard that some unexpected purchases, like getting a rental car, may require a credit check - if this happened unexpectedly I might not have enough time to unfreeze (I think it can take a few days). And of course, if I don't know who whoever's going to run the check, will run it by, I have to unfreeze my credit report on all three entities (and pay each a small fee).
On the other hand, I don't know a lot about the liability should someone get a loan in my name, but from what little I've read it seems like big finance looks out for itself first, and puts the burden of proof on the consumer (potentially leaving a victim with lots and lots of debt).
Is it worth it to freeze my credit report?