I have had a credit freeze on the big 3 credit reporting agencies for many years, and now I'm hearing about a 4th, Innovis (since the latest Equifax breach).
Is there a down-side to freezing Innovis too? What about ChexSystems? Does this make sense?
I don't think freezes are a complete guarantee, but in general it seems like it's better than nothing. It's not a level playing field for consumers.