@drvirgapodcast · The Dr. Virga Podcast
Saved 2026-05-15 · Posted 2026-03-04 · Status: New
Freeze your credit! Equifax, TransUnion, Experian let you freeze/unfreeze for free. Stops unauthorized credit queries. Doesn't hurt your score! Source: Shawn Ryan Show feat. 0day #CreditFreeze #IdentityTheft #FinancialSecurity #CreditTips #MoneyManagement #Equifax #TransUnion #Experian #ShawnRyanShow #RyanHoliday
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Comments (15)
I experienced identity theft 9 years ago that was caught by one of the companies they were trying to open a credit line for. Because that happened, they now have to call me anytime I open a line of credit to verify it's me. That's exactly how it should be. All the time.
He is 100% right, your credit will still grow or shrink while frozen like it would if it was unfrozen, freezing just prevents anyone but YOU from fucking up your life
So simple but genius
Unless something has changed Experian app does not have a way to freeze/unfreeze your account unless you pay for their premium service ~$20/month. The other two can be done via their app.
Uh I’d freeze your TWIN number first if you don’t know what they is look it up .
Mine stays frozen unless I need it and then refreeze when im done.
They charge 29.99 to freeze your credit now. @equifax @experian @transunion
What if AI existed
For those who think it costs money, I can assure you that it’s free. Make sure you’re clicking the bureaus official website and do not click anything that’s trying to upsell you. It’s called a “freeze”, not a “lock”.
What if I had video recorded phone calls while having my credit report pulled up calling the creditors on my credit report, reporting to my credit as collections and charge-offs and can show that they are actively intentionally preventing you from fixing your credit. People like Verizon, xfinity.\n What if I could prove that they'll charge you fees after you close accounts charge it to your credit. And then when you try to call and get it taken care of they just switch you around 67 times keep you on the phone for 3 hours, give you phone numbers to call after that that literally do not exist and are fake, what if I had those videos? What?\n If I had a video showing a creditor reporting to my credit and me, calling entering my information and the recording telling me that they do not possess this account anymore. It has been sent to a third party agency, but yet they are reporting to my credit. Not the third party agency, but yet will not take my phone call. Anymore, let's be clear on that they won't accept my phone call anymore.And will not remove it. What if I could show let these companies actively are working with the scammers , and these call centers
So what does freezing actually do?
The info is so 2015 🔥 😂
Just tried my account now MAR72026. It now costs to lock it.
I’ve had mine frozen since 2005 after listening to the recommendation from Clark Howard. Seems like I get a letter at least once a year from some stupid company about a data breach. 🙄
This is great can you freez road blox