1 00:00:00,160 --> 00:00:03,520 Speaker 1: Welcome to How the Money. I'm Joel, I'm Matt, and 2 00:00:03,600 --> 00:00:26,319 Speaker 1: today we're talking about why you need to freeze your credit. Now, Joel, 3 00:00:26,400 --> 00:00:29,360 Speaker 1: real quick, do you have a carbon monoxide detector in 4 00:00:29,400 --> 00:00:33,160 Speaker 1: your house? Yes? I do? Do you really? Okay? Because 5 00:00:33,200 --> 00:00:35,720 Speaker 1: I don't, you should? Well, I do now, but it's 6 00:00:35,760 --> 00:00:38,800 Speaker 1: actually packaged because it just showed up from Amazon and 7 00:00:38,840 --> 00:00:41,760 Speaker 1: it's sitting in my office. I realized the other day, yeah, 8 00:00:41,800 --> 00:00:44,760 Speaker 1: that we don't have a carbon monoxide detector in our house, 9 00:00:44,880 --> 00:00:46,960 Speaker 1: and you're supposed to have one, and it's just something 10 00:00:47,000 --> 00:00:49,839 Speaker 1: we've never gotten around to you. And I'll started thinking 11 00:00:49,880 --> 00:00:51,360 Speaker 1: about it and I was like, man, you can't smell it, 12 00:00:51,560 --> 00:00:53,519 Speaker 1: you can't see it. I kind of got freaked out 13 00:00:53,560 --> 00:00:54,680 Speaker 1: in the middle of the night when I was thinking 14 00:00:54,720 --> 00:00:56,639 Speaker 1: about it, and I added it to my Amazon cart. 15 00:00:56,720 --> 00:00:59,120 Speaker 1: It's deadly, like that man, deadly. You gotta be ready. 16 00:00:59,640 --> 00:01:01,760 Speaker 1: And it's a really cheap thing to get a carbon 17 00:01:01,760 --> 00:01:03,800 Speaker 1: monoxide detector, right well, I mean, would you pay for 18 00:01:03,840 --> 00:01:05,960 Speaker 1: a twelve bucks Yeah, close to twelve I think I 19 00:01:06,000 --> 00:01:09,039 Speaker 1: got mine for sixteen bucks. Super cheap. Yeah, good piece 20 00:01:09,040 --> 00:01:10,920 Speaker 1: of mind to have. And in particular, I mean the 21 00:01:10,959 --> 00:01:12,440 Speaker 1: reason I was freaking out because I was thinking of 22 00:01:12,520 --> 00:01:15,600 Speaker 1: the girls, right, Like, our water heater is in the basement. 23 00:01:15,760 --> 00:01:17,720 Speaker 1: You just let everyone know you have three daughters and 24 00:01:17,800 --> 00:01:21,760 Speaker 1: so natural gas sometimes amidst carbon monoxide And I don't 25 00:01:21,760 --> 00:01:23,360 Speaker 1: know why. It's something that just popped into my head 26 00:01:23,360 --> 00:01:25,240 Speaker 1: though I was thinking about it and you know, something 27 00:01:25,280 --> 00:01:27,800 Speaker 1: that needed to do. So have you always had one? Yeah? 28 00:01:27,840 --> 00:01:29,560 Speaker 1: So the guy that the that we bought the house 29 00:01:29,560 --> 00:01:34,320 Speaker 1: from had like actually hardwired in carbon monoxide detect the 30 00:01:34,360 --> 00:01:36,320 Speaker 1: old school system. Yeah, like three of them, so when 31 00:01:36,319 --> 00:01:38,520 Speaker 1: one goes off, it sits off the other one. Um. 32 00:01:38,640 --> 00:01:40,920 Speaker 1: So yeah, and I have uh, I don't know if 33 00:01:40,959 --> 00:01:43,640 Speaker 1: people haven't heard it listened to previous episodes. I have 34 00:01:43,800 --> 00:01:47,040 Speaker 1: a duplex. Essentially, I run out the back part of 35 00:01:47,120 --> 00:01:49,400 Speaker 1: our house that we live in, and so yeah, it's 36 00:01:49,440 --> 00:01:51,560 Speaker 1: kind of connected there. So if the smoke detector goes 37 00:01:51,600 --> 00:01:53,080 Speaker 1: off in our part of the house, it also goes 38 00:01:53,120 --> 00:01:57,120 Speaker 1: back in the unit behind us because you're cooking fries 39 00:01:57,200 --> 00:02:00,200 Speaker 1: at midnight exactly exactly. Yeah, so she hates that your 40 00:02:00,280 --> 00:02:03,240 Speaker 1: late night fry action going. So yeah, so that's a 41 00:02:03,240 --> 00:02:05,800 Speaker 1: good reminder for folks to check their batteries in their 42 00:02:05,840 --> 00:02:08,360 Speaker 1: smoke alarm or to get a carbon monoxide detector if 43 00:02:08,360 --> 00:02:10,720 Speaker 1: they don't have one, because yeah, those things are really cheap, 44 00:02:10,800 --> 00:02:12,680 Speaker 1: and man, it's just a good way to keep your 45 00:02:12,720 --> 00:02:15,120 Speaker 1: family safe, good peace of mind. They recommend to have 46 00:02:15,240 --> 00:02:18,280 Speaker 1: them on every level of your home. Yep, it's a 47 00:02:18,280 --> 00:02:20,080 Speaker 1: good way to go. Good rule of thumb. All right. 48 00:02:20,120 --> 00:02:22,240 Speaker 1: I wanted to tell you, Matt, since we talked about 49 00:02:22,280 --> 00:02:25,000 Speaker 1: timing the market last week, there's an interesting story I 50 00:02:25,040 --> 00:02:29,880 Speaker 1: saw this week after the episode was released about Kanye West, 51 00:02:30,200 --> 00:02:33,720 Speaker 1: and people were talking about how he all easy, yeah, 52 00:02:33,919 --> 00:02:36,880 Speaker 1: how he had specifically invested in just a few different 53 00:02:36,880 --> 00:02:40,520 Speaker 1: stocks I believe Netflix, Adidas, there were a couple more 54 00:02:40,520 --> 00:02:43,400 Speaker 1: in their Apple, Yeah, Disney, and so he's kind of 55 00:02:43,440 --> 00:02:45,920 Speaker 1: actually crushed it over the past six months. He's he's 56 00:02:46,320 --> 00:02:49,840 Speaker 1: way outpaced the market returns in his own portfolio, and 57 00:02:49,880 --> 00:02:52,680 Speaker 1: I guess he invested like three grand or something in 58 00:02:52,720 --> 00:02:55,680 Speaker 1: those stocks altogether. It was just an interesting read and 59 00:02:55,680 --> 00:02:57,920 Speaker 1: it made me think again about you know. It's what 60 00:02:58,120 --> 00:03:01,200 Speaker 1: was interesting specifically is that the what they mentioned was 61 00:03:01,280 --> 00:03:03,760 Speaker 1: to invest in what you know, because those are brands 62 00:03:03,840 --> 00:03:07,519 Speaker 1: that he has some insight in through his own business dealings. 63 00:03:07,560 --> 00:03:09,360 Speaker 1: And yeah, because he's on the payroll he's like a 64 00:03:09,360 --> 00:03:12,600 Speaker 1: spokesperson or whatever, and so yeah, so he's got like 65 00:03:12,639 --> 00:03:14,040 Speaker 1: some skin in the game there. He knows what they're 66 00:03:14,120 --> 00:03:16,639 Speaker 1: up to. But I also thought it was interesting that 67 00:03:16,960 --> 00:03:19,440 Speaker 1: he's made a really good return over these past six months. 68 00:03:19,840 --> 00:03:22,560 Speaker 1: But like we talked about last in the last episode, 69 00:03:22,760 --> 00:03:27,200 Speaker 1: you know, past results don't necessarily correlate to future returns, 70 00:03:27,200 --> 00:03:29,280 Speaker 1: and so he could have done really well over the 71 00:03:29,320 --> 00:03:31,560 Speaker 1: last six months, but he could also thinks could creator 72 00:03:31,680 --> 00:03:33,480 Speaker 1: a year from now or six months from now, and so, 73 00:03:33,600 --> 00:03:35,200 Speaker 1: you know, a way to go, Kanye. I'm glad you're 74 00:03:35,480 --> 00:03:37,720 Speaker 1: doing well with your investments, but still that's not a 75 00:03:37,720 --> 00:03:40,440 Speaker 1: good recipe for you know, the everyday listener out there 76 00:03:40,480 --> 00:03:42,720 Speaker 1: who's only got a little bit of money here and 77 00:03:42,760 --> 00:03:45,560 Speaker 1: there to invest. You want to be low and slow, 78 00:03:46,160 --> 00:03:47,640 Speaker 1: just like you're cooking a brisket. You want to do 79 00:03:47,680 --> 00:03:51,720 Speaker 1: the same thing with yourselves and slow and smoky. Maybe 80 00:03:52,360 --> 00:03:56,040 Speaker 1: you know Kim and Kanye both listened to our our podcast. 81 00:03:56,120 --> 00:03:57,960 Speaker 1: I'm sure they do. Yeah, how could they not? All right, 82 00:03:58,000 --> 00:04:00,240 Speaker 1: so this episode we're doing on freezing r at It 83 00:04:00,440 --> 00:04:02,520 Speaker 1: and you know what popped into my mind. You're gonna 84 00:04:02,520 --> 00:04:06,640 Speaker 1: be so proud of me. Beat the Freeze. Oh, the 85 00:04:06,680 --> 00:04:10,200 Speaker 1: guy from the Braves. Yeah. So, I don't know if 86 00:04:10,240 --> 00:04:12,440 Speaker 1: any of y'all are baseball fans out there, but the 87 00:04:12,480 --> 00:04:16,520 Speaker 1: Atlanta Braves they've got this sort of seventh inning stretch entertainment. 88 00:04:16,960 --> 00:04:19,400 Speaker 1: But basically they get someone down in the outfield and 89 00:04:19,400 --> 00:04:21,680 Speaker 1: they start running and it's a race, and you're racing 90 00:04:21,760 --> 00:04:24,400 Speaker 1: up against the freeze and it's this guy and he's 91 00:04:24,400 --> 00:04:27,080 Speaker 1: got a blue leotard. Basically, I mean, he looks like 92 00:04:27,160 --> 00:04:30,040 Speaker 1: Mr Freeze from like the Incredibles, which, by the way, 93 00:04:30,080 --> 00:04:32,960 Speaker 1: this would be a great Halloween costume for you. I think, oh, yeah, 94 00:04:32,960 --> 00:04:36,359 Speaker 1: you you should be the Freeze, like blue leotard, blue 95 00:04:36,440 --> 00:04:40,880 Speaker 1: leotard with goggles. Ye make it happen. Yeah, so I 96 00:04:40,880 --> 00:04:43,160 Speaker 1: think I love kind of the way the baseball seventh 97 00:04:43,200 --> 00:04:45,800 Speaker 1: inning stretch things go. And like in Milwaukee they've got 98 00:04:45,800 --> 00:04:49,039 Speaker 1: a bunch of sausages that race. Oh yeah, I think 99 00:04:49,240 --> 00:04:52,720 Speaker 1: in Washington the Nationals they've got like presidents that race 100 00:04:52,800 --> 00:04:55,000 Speaker 1: each other. So there's like all these like cool races 101 00:04:55,040 --> 00:04:58,120 Speaker 1: around the country during the seventh inning stretch for baseball teams. 102 00:04:58,400 --> 00:05:00,600 Speaker 1: And yeah, the Freeze is kind of in lane. That's 103 00:05:00,640 --> 00:05:03,440 Speaker 1: the best because we used to have the tool race, 104 00:05:03,520 --> 00:05:05,839 Speaker 1: the home deepoat tool race, and you know they're dressed 105 00:05:05,920 --> 00:05:08,000 Speaker 1: up as the bucket, the hammer or whatever. That's pretty lame. 106 00:05:08,440 --> 00:05:10,360 Speaker 1: Was it was kind of like the Disney version. This 107 00:05:10,600 --> 00:05:12,760 Speaker 1: is freaking awesome. Well it was a Disney version, but 108 00:05:12,800 --> 00:05:14,920 Speaker 1: it was also like a corporate tized thing, right, like, 109 00:05:14,960 --> 00:05:17,880 Speaker 1: oh yeah, but the President's or the sausages, like, there's 110 00:05:17,920 --> 00:05:21,120 Speaker 1: nothing corporate about that's just just cool old school baseball stuff. 111 00:05:21,160 --> 00:05:24,520 Speaker 1: It feels a little more homegrown versus a local sponsor 112 00:05:24,520 --> 00:05:27,040 Speaker 1: who's like, all right, whos gonna sponsor the race? Yeah, exactly, 113 00:05:27,080 --> 00:05:29,160 Speaker 1: I hear you. Man. Alright, so let's tell people the 114 00:05:29,200 --> 00:05:30,960 Speaker 1: beer that we're drinking today, and at the end of 115 00:05:30,960 --> 00:05:33,320 Speaker 1: the show we will kind of give you our tasting notes. 116 00:05:33,560 --> 00:05:35,960 Speaker 1: So today on the show, we're drinking a beer that 117 00:05:36,040 --> 00:05:40,760 Speaker 1: our pastor friend Matt, brought back from Vermont, Focal Banger 118 00:05:40,960 --> 00:05:43,320 Speaker 1: by the Alchemist. And so this is an I p 119 00:05:43,440 --> 00:05:45,080 Speaker 1: A that Matt and I are excited to drink because 120 00:05:45,080 --> 00:05:48,120 Speaker 1: we've never had it before. Yeah, and this one has 121 00:05:48,160 --> 00:05:51,080 Speaker 1: like a lot of beer lowre surrounding it. And so 122 00:05:51,200 --> 00:05:53,719 Speaker 1: if you don't have a pastor that brings you beer, 123 00:05:54,080 --> 00:05:56,760 Speaker 1: you you should probably work on that, alright, Matt, So 124 00:05:56,800 --> 00:05:59,520 Speaker 1: onto the topic at hand, why you need to freeze 125 00:05:59,520 --> 00:06:03,839 Speaker 1: your credit now. And let's just be clear the Equifax 126 00:06:03,880 --> 00:06:06,600 Speaker 1: breach that happened last year, if you haven't heard about 127 00:06:06,600 --> 00:06:09,000 Speaker 1: it even living under a rock, But it's been close 128 00:06:09,040 --> 00:06:10,599 Speaker 1: to a year now, right yeah, but it's it's been 129 00:06:10,600 --> 00:06:14,159 Speaker 1: almost exactly a year. And the Equifax breach, so essentially 130 00:06:14,200 --> 00:06:17,040 Speaker 1: a hundred and forty eight million accounts were compromised. People's 131 00:06:17,040 --> 00:06:20,760 Speaker 1: social Security numbers and other information about them, you know, 132 00:06:20,760 --> 00:06:25,080 Speaker 1: personal information was compromised as the Equifax systems were breached, 133 00:06:25,520 --> 00:06:28,839 Speaker 1: and essentially it made for this credit dumpster fire where 134 00:06:28,920 --> 00:06:31,520 Speaker 1: everyone's information was floating around and you have no idea 135 00:06:31,560 --> 00:06:34,920 Speaker 1: even if your information hasn't been used yet, it still 136 00:06:34,960 --> 00:06:37,800 Speaker 1: could right yeah, yeah, yeah against you. It's still could 137 00:06:37,800 --> 00:06:40,239 Speaker 1: be used against you out there in the future because 138 00:06:40,240 --> 00:06:42,360 Speaker 1: the crooks have access to that information. Man. You know. 139 00:06:42,400 --> 00:06:45,600 Speaker 1: One of my favorite slash I guess unfavorite things that 140 00:06:45,640 --> 00:06:48,120 Speaker 1: they also did at the time was they put that 141 00:06:48,160 --> 00:06:50,360 Speaker 1: website out that said here, this is how you can 142 00:06:50,440 --> 00:06:54,120 Speaker 1: check to see if your information was hacked, and you 143 00:06:54,160 --> 00:06:56,640 Speaker 1: had to enter six of the nine digits of your 144 00:06:56,640 --> 00:07:01,040 Speaker 1: social security number two like to see whether or not 145 00:07:01,160 --> 00:07:03,800 Speaker 1: your your information was compromised, and it doesn't matter what 146 00:07:03,880 --> 00:07:06,479 Speaker 1: you entered in. It just said, oh, you're fine, don't 147 00:07:06,480 --> 00:07:08,840 Speaker 1: worry about it. It was like the worst cover up 148 00:07:08,880 --> 00:07:11,560 Speaker 1: in like the worst way possible to deal with the 149 00:07:11,600 --> 00:07:15,120 Speaker 1: public and trying to make people feel that things are 150 00:07:15,160 --> 00:07:17,600 Speaker 1: gonna be okay by just like throwing a blanket statement 151 00:07:17,600 --> 00:07:19,400 Speaker 1: basically out there saying, oh, yeah, you're gonna be okay, 152 00:07:19,400 --> 00:07:21,200 Speaker 1: don't worry about it. Yeah. I mean, the big problem 153 00:07:21,240 --> 00:07:24,400 Speaker 1: att with these credit bureaus is sadly, their customer is 154 00:07:24,440 --> 00:07:26,760 Speaker 1: not you and me, right, we are the data, So 155 00:07:26,800 --> 00:07:28,760 Speaker 1: they don't care about us and how we feel and 156 00:07:28,760 --> 00:07:31,800 Speaker 1: whether we like or hate Equifax. They just want to 157 00:07:31,800 --> 00:07:34,160 Speaker 1: make sure that they are getting money from the major 158 00:07:34,240 --> 00:07:37,920 Speaker 1: companies that they provide data services for. So we are 159 00:07:38,000 --> 00:07:41,640 Speaker 1: just these numbers that gets sent back and forth. Yes 160 00:07:41,760 --> 00:07:44,880 Speaker 1: give credit to this person, no, decline that person, and 161 00:07:44,920 --> 00:07:46,760 Speaker 1: so because of that, that's part of the reason. And 162 00:07:46,800 --> 00:07:49,880 Speaker 1: they just responded so poorly. So um so we should 163 00:07:49,880 --> 00:07:52,280 Speaker 1: be all be upset with that effects, but they also 164 00:07:52,400 --> 00:07:54,640 Speaker 1: don't care. At the same time, man, did you know 165 00:07:54,680 --> 00:07:56,800 Speaker 1: that they're based in Atlanta? Yes? Like, do you do 166 00:07:56,840 --> 00:07:58,600 Speaker 1: you pass them on your bike when you go to work, 167 00:07:58,640 --> 00:08:00,880 Speaker 1: because I didn't realize. I looked them up and I 168 00:08:00,920 --> 00:08:03,880 Speaker 1: realized that they are headquartered right there in Midtown. They 169 00:08:03,880 --> 00:08:07,080 Speaker 1: are literally across the street from where I were. Literally 170 00:08:07,760 --> 00:08:11,080 Speaker 1: I could walk there in thirty seconds, drive by and 171 00:08:11,640 --> 00:08:14,320 Speaker 1: throw rotten tomatoes. Well, I guess you're on your bike. 172 00:08:15,200 --> 00:08:17,240 Speaker 1: Can bring some of my hippies so you can like 173 00:08:17,360 --> 00:08:21,360 Speaker 1: ride by on your bike and throw seed bombs. Yeah, bombs. 174 00:08:21,320 --> 00:08:23,400 Speaker 1: They're like the never heard of seed bombs. It's like 175 00:08:23,400 --> 00:08:25,640 Speaker 1: a hippie thing. They're like these little packets full of 176 00:08:25,680 --> 00:08:27,840 Speaker 1: seeds and people throw them in empty lots and stuff 177 00:08:27,880 --> 00:08:30,080 Speaker 1: like that, and they land and then it rains and 178 00:08:30,160 --> 00:08:32,560 Speaker 1: the seeds sprout, and so you have like natural wild 179 00:08:32,559 --> 00:08:35,680 Speaker 1: flowers and empty lots, or maybe in a nice Equifax 180 00:08:35,760 --> 00:08:40,000 Speaker 1: lawn you can throw some sunflowers or dandelions or whatever 181 00:08:40,040 --> 00:08:41,319 Speaker 1: you want. I like this. That's a good way to 182 00:08:41,320 --> 00:08:44,640 Speaker 1: get the bomb them done. All right, So let's talk 183 00:08:44,679 --> 00:08:47,319 Speaker 1: about this first, a credit freeze, so we know why 184 00:08:47,360 --> 00:08:50,360 Speaker 1: it's important, right Equifax. You know, they just had a 185 00:08:50,360 --> 00:08:53,360 Speaker 1: major breach last year and a hundred forty eight million 186 00:08:53,360 --> 00:08:56,720 Speaker 1: of our social Security numbers were compromised. And the sad 187 00:08:56,800 --> 00:08:58,839 Speaker 1: thing is only about one in five consumers to the 188 00:08:58,920 --> 00:09:01,160 Speaker 1: credit freeze at for the breach last year, So there's 189 00:09:01,160 --> 00:09:05,200 Speaker 1: a lot of people who are open to being compromised. Essentially, 190 00:09:05,200 --> 00:09:08,040 Speaker 1: their credit could be compromised if they don't have a 191 00:09:08,040 --> 00:09:10,760 Speaker 1: freeze on their account. So quickly, let's to find what 192 00:09:10,800 --> 00:09:13,320 Speaker 1: a credit freeze is. It lets you restrict access to 193 00:09:13,360 --> 00:09:16,400 Speaker 1: your credit report, making it difficult for identity thieves to 194 00:09:16,480 --> 00:09:19,360 Speaker 1: open new accounts in your name. And that's because most 195 00:09:19,360 --> 00:09:22,400 Speaker 1: creditors need to see your credit report before they approve 196 00:09:22,440 --> 00:09:24,920 Speaker 1: a new account. If they can't see your file, they're 197 00:09:24,920 --> 00:09:26,720 Speaker 1: not going to approve it. And that means that a 198 00:09:26,760 --> 00:09:28,280 Speaker 1: credit card is not gonna be able to be open 199 00:09:28,320 --> 00:09:31,360 Speaker 1: in your name, or a new mortgage or anything like that. Right, 200 00:09:31,400 --> 00:09:33,400 Speaker 1: So it's gonna be much harder for a thief to 201 00:09:33,720 --> 00:09:36,240 Speaker 1: steal your information and steal your credit and open an 202 00:09:36,280 --> 00:09:38,240 Speaker 1: account as if they were you if you have a 203 00:09:38,240 --> 00:09:40,480 Speaker 1: credit freeze in place. Yeah, man, And so the whole 204 00:09:40,480 --> 00:09:42,400 Speaker 1: reason we're talking about this now is because it is 205 00:09:42,480 --> 00:09:45,200 Speaker 1: now free to put a freeze on your credit report 206 00:09:45,400 --> 00:09:47,360 Speaker 1: and it's free to unfreeze it. And so you used 207 00:09:47,400 --> 00:09:49,760 Speaker 1: to have to pay to freeze your credit, or in 208 00:09:49,800 --> 00:09:51,840 Speaker 1: some states they allowed you to freeze it for free, 209 00:09:52,000 --> 00:09:53,960 Speaker 1: but then they charged you to unfreeze it. So it's 210 00:09:54,000 --> 00:09:56,000 Speaker 1: sort of like a gotcha and you realize that you 211 00:09:56,080 --> 00:09:57,800 Speaker 1: needed to unfreeze it because you're gonna apply it for 212 00:09:58,120 --> 00:10:00,319 Speaker 1: say a new loan or something like that. You had 213 00:10:00,360 --> 00:10:02,280 Speaker 1: to pay, you know, on the back end. In some 214 00:10:02,320 --> 00:10:04,160 Speaker 1: states required it on the front end, and the back 215 00:10:04,240 --> 00:10:06,880 Speaker 1: end you're paying between like five and ten bucks in 216 00:10:06,960 --> 00:10:09,400 Speaker 1: order to freeze your credit, but then times three because 217 00:10:09,400 --> 00:10:12,360 Speaker 1: you've got the three different major bureaus. And so as 218 00:10:12,400 --> 00:10:15,640 Speaker 1: of September one, a new federal law was passed that 219 00:10:15,720 --> 00:10:19,000 Speaker 1: required the three bureaus to offer that to consumers for free, 220 00:10:19,000 --> 00:10:21,360 Speaker 1: which is a huge one for us. Yeah, no doubt, 221 00:10:21,360 --> 00:10:23,640 Speaker 1: it's a huge win, Matt, I think. So. Yeah, a 222 00:10:23,720 --> 00:10:25,839 Speaker 1: lot of people had to pay ten bucks to freeze 223 00:10:25,840 --> 00:10:27,679 Speaker 1: their credit and then ten bucks to thought it, and 224 00:10:27,679 --> 00:10:29,480 Speaker 1: so every time you wanted to get a new credit 225 00:10:29,520 --> 00:10:32,520 Speaker 1: card or apply for a mortgage or whatever it may be, 226 00:10:33,040 --> 00:10:35,120 Speaker 1: you had to thaw and then refreeze your credit. And 227 00:10:35,120 --> 00:10:38,760 Speaker 1: so that just became really frustrating for consumers, and also 228 00:10:39,160 --> 00:10:41,640 Speaker 1: sometimes it was really hard to figure out you know 229 00:10:41,720 --> 00:10:45,319 Speaker 1: which bureau your credit was being checked through, and so 230 00:10:45,440 --> 00:10:47,680 Speaker 1: you might have to thaw all three at the same 231 00:10:47,720 --> 00:10:50,480 Speaker 1: time to apply for something that's thirty bucks and then 232 00:10:50,520 --> 00:10:53,400 Speaker 1: thirty bucks then to refreeze your credit. So that's sixty 233 00:10:53,960 --> 00:10:56,160 Speaker 1: just to apply for a line for something, and it's 234 00:10:56,200 --> 00:10:58,240 Speaker 1: just a pain. Yeah, Plus that eats into my credit 235 00:10:58,280 --> 00:11:00,520 Speaker 1: card bonuses. Uh, when I'm to get mess end about us, 236 00:11:00,520 --> 00:11:03,280 Speaker 1: you know exactly. So I'll say this, I have never 237 00:11:03,320 --> 00:11:06,720 Speaker 1: frozen my credit until now, and the reason is because 238 00:11:06,760 --> 00:11:09,040 Speaker 1: I was applying for more credit than the average American, right, 239 00:11:09,080 --> 00:11:12,000 Speaker 1: being a real estate investor about you know houses, I 240 00:11:12,000 --> 00:11:13,720 Speaker 1: apply for credit. I'm still kind of in this phase 241 00:11:13,720 --> 00:11:17,000 Speaker 1: where I'm kind of building out in my available credit lines. 242 00:11:17,280 --> 00:11:19,240 Speaker 1: And because of I never frozen the credit because it 243 00:11:19,280 --> 00:11:23,400 Speaker 1: was so expensive to thaw and then refreeze. So now 244 00:11:23,440 --> 00:11:25,960 Speaker 1: I'm so thankful that for everybody, for you, for me, 245 00:11:26,040 --> 00:11:29,439 Speaker 1: for all the American people, it is free to continually 246 00:11:29,440 --> 00:11:31,440 Speaker 1: do that. So now there's no excuse not to freeze 247 00:11:31,440 --> 00:11:34,160 Speaker 1: your credit because you can thought at any time unconditionally 248 00:11:34,320 --> 00:11:36,360 Speaker 1: for free. I mean we just said how only one 249 00:11:36,400 --> 00:11:41,360 Speaker 1: in five people frozen the credit after that Equifax hack, right, 250 00:11:41,520 --> 00:11:43,760 Speaker 1: and I think a big barrier to people actually doing 251 00:11:43,800 --> 00:11:46,000 Speaker 1: that is the money. Even if it costs a little bit, 252 00:11:46,040 --> 00:11:48,280 Speaker 1: it's a barrier, you know, It's a hurdle that you 253 00:11:48,320 --> 00:11:50,440 Speaker 1: have to sort of figure out and then hop over, 254 00:11:50,880 --> 00:11:52,959 Speaker 1: you know, sometimes twice depending on the state that you 255 00:11:53,040 --> 00:11:55,360 Speaker 1: lived in. Yeah, and luckily that's just something we're not 256 00:11:55,360 --> 00:11:57,360 Speaker 1: dealing with anymore. So that's great. Yeah, And the weird 257 00:11:57,360 --> 00:11:59,640 Speaker 1: thing is, Matt, I think underlying all of this, the 258 00:11:59,679 --> 00:12:02,800 Speaker 1: weird thing is that these companies, uh, these the three 259 00:12:02,840 --> 00:12:06,199 Speaker 1: major credit bureaus, they're compiling our information and selling it 260 00:12:06,240 --> 00:12:09,679 Speaker 1: to businesses without our permission. And so because of that, 261 00:12:09,760 --> 00:12:12,120 Speaker 1: I think this feels like more of a sense of justice, right, 262 00:12:12,200 --> 00:12:15,480 Speaker 1: that we deserve to have at least the ability to 263 00:12:15,559 --> 00:12:18,040 Speaker 1: lock down those credit files and whenever we want. And 264 00:12:18,040 --> 00:12:19,400 Speaker 1: the fact that we had to pay to do that 265 00:12:19,559 --> 00:12:22,439 Speaker 1: was just an injustice against the American people in my opinion, 266 00:12:22,640 --> 00:12:25,000 Speaker 1: And so we had to pay to keep it safe. 267 00:12:25,080 --> 00:12:27,400 Speaker 1: Come on, that's bonkers. And we're gonna tell you a 268 00:12:27,400 --> 00:12:29,800 Speaker 1: little more about why it's important and then the specifics 269 00:12:29,920 --> 00:12:36,839 Speaker 1: on how to actually freeze your credit after this break, 270 00:12:42,600 --> 00:12:44,720 Speaker 1: all right, Joe, So let's talk about now why it 271 00:12:44,800 --> 00:12:47,800 Speaker 1: is important for us to freeze our credit. You need 272 00:12:47,840 --> 00:12:51,280 Speaker 1: a credit freeze in order to prevent criminal activity using 273 00:12:51,280 --> 00:12:53,080 Speaker 1: your name and your good credit. And so what we 274 00:12:53,120 --> 00:12:56,000 Speaker 1: mean by that though, if there is criminal activity, you're 275 00:12:56,000 --> 00:13:00,240 Speaker 1: not financially responsible for the fraudulent activity. What it is 276 00:13:00,240 --> 00:13:03,680 Speaker 1: is the hassle of fixing it that sucks. So basically, 277 00:13:03,760 --> 00:13:05,520 Speaker 1: you know, for an example, you've got a new credit 278 00:13:05,559 --> 00:13:08,360 Speaker 1: card opening your name, someone has charged a ton to 279 00:13:08,440 --> 00:13:11,559 Speaker 1: that account and you're not going to be responsible for that. However, 280 00:13:11,840 --> 00:13:14,200 Speaker 1: the legwork and the time and just all the hoops 281 00:13:14,240 --> 00:13:15,960 Speaker 1: that you have to jump through to prove that that 282 00:13:16,040 --> 00:13:19,200 Speaker 1: wasn't you. That just takes up so much time and 283 00:13:19,240 --> 00:13:20,720 Speaker 1: I'm something about your credit is kind of screwed. In 284 00:13:20,720 --> 00:13:23,160 Speaker 1: the meantime, right, there might be a product that you're 285 00:13:23,160 --> 00:13:25,600 Speaker 1: trying to qualify for and for saying, maybe a credit card, 286 00:13:25,640 --> 00:13:27,360 Speaker 1: that's not a huge deal. But if what if you're 287 00:13:27,360 --> 00:13:29,679 Speaker 1: in the middle of like a house purchase and you're 288 00:13:29,679 --> 00:13:32,679 Speaker 1: trying to get alone your credits totally jacked because you've 289 00:13:32,720 --> 00:13:35,320 Speaker 1: got this fraudulent activity on there. You're not gonna get 290 00:13:35,320 --> 00:13:38,240 Speaker 1: a great loan, if one at all. Yeah, you're not 291 00:13:38,280 --> 00:13:40,400 Speaker 1: gonna get the house and all like exactly, because you 292 00:13:40,480 --> 00:13:42,400 Speaker 1: gotta move quickly when it comes to purchasing a home 293 00:13:42,440 --> 00:13:44,320 Speaker 1: most often. Yeah, man, And so I'm friends with a 294 00:13:44,320 --> 00:13:46,520 Speaker 1: couple of people that have actually had their credit on 295 00:13:46,559 --> 00:13:49,199 Speaker 1: a way stolen. It becomes a part time job for 296 00:13:49,240 --> 00:13:52,760 Speaker 1: somebody who's had their credit stolen. It sucks, man, it's 297 00:13:52,760 --> 00:13:54,880 Speaker 1: the worst. And so I think this is just such 298 00:13:54,880 --> 00:13:58,680 Speaker 1: a great message to people, especially now that it's free. 299 00:13:58,679 --> 00:14:01,760 Speaker 1: There's absolutely nothing in hibbiting you from getting a credit freeze. 300 00:14:01,920 --> 00:14:04,200 Speaker 1: Do it because if you talk to somebody or read 301 00:14:04,200 --> 00:14:06,160 Speaker 1: a couple of horror stories on the internet about people 302 00:14:06,160 --> 00:14:08,360 Speaker 1: that have their credit solen, it's easier to do now 303 00:14:08,360 --> 00:14:10,880 Speaker 1: than ever before, and especially now that Equifax has just 304 00:14:10,960 --> 00:14:14,240 Speaker 1: essentially gifted your information to criminals out there. Right. It's 305 00:14:14,360 --> 00:14:16,320 Speaker 1: it's just so important that we get that credit frozen, 306 00:14:16,360 --> 00:14:19,200 Speaker 1: because it's so much better to do that than the 307 00:14:19,200 --> 00:14:22,320 Speaker 1: potential of losing a house, losing a car, or even 308 00:14:22,360 --> 00:14:24,960 Speaker 1: just taking on that responsibility essentially of a part time 309 00:14:25,040 --> 00:14:27,840 Speaker 1: job of clearing your name from like fraudulent activity that 310 00:14:27,880 --> 00:14:30,320 Speaker 1: you didn't actually do and someone else did in your name. 311 00:14:30,560 --> 00:14:32,840 Speaker 1: I mean, it's almost like a public service, like it's 312 00:14:32,840 --> 00:14:35,600 Speaker 1: a public good now that exists, uh, that you just 313 00:14:35,640 --> 00:14:37,240 Speaker 1: need to be aware of and take advantage of. It's 314 00:14:37,240 --> 00:14:38,880 Speaker 1: sort of like if your house can a fire and 315 00:14:38,920 --> 00:14:42,000 Speaker 1: you didn't realize that there was a fire department and 316 00:14:42,160 --> 00:14:44,760 Speaker 1: you were just trying to put it out yourself. But like, 317 00:14:44,840 --> 00:14:47,200 Speaker 1: this is something that is out there now that exists 318 00:14:47,760 --> 00:14:49,640 Speaker 1: that you need to be aware of so that you 319 00:14:49,720 --> 00:14:52,240 Speaker 1: and others that you know can take advantage of this 320 00:14:52,440 --> 00:14:56,240 Speaker 1: the service, this product before it happens, not in response, 321 00:14:56,280 --> 00:14:58,920 Speaker 1: because that's not how credit freezes work. Yeah, and Matt, 322 00:14:58,920 --> 00:15:00,240 Speaker 1: just in a couple of seconds, we're gonna it to 323 00:15:00,760 --> 00:15:02,920 Speaker 1: something that people need to be watching out for as 324 00:15:02,960 --> 00:15:05,040 Speaker 1: they try to freeze their credit because the credit here 325 00:15:05,120 --> 00:15:08,320 Speaker 1: is they're still crafty even though credit freezes are free right. So, 326 00:15:08,520 --> 00:15:10,120 Speaker 1: but I wanted to let people know that parents can 327 00:15:10,160 --> 00:15:12,600 Speaker 1: also freeze the credit of your kids that are under 328 00:15:12,640 --> 00:15:14,800 Speaker 1: age sixteen two. So that's a new thing as well. 329 00:15:15,160 --> 00:15:18,720 Speaker 1: And actually kids historically have been the easiest target of 330 00:15:18,800 --> 00:15:22,240 Speaker 1: something called affinity fraud, and often times it's a relative 331 00:15:22,320 --> 00:15:24,880 Speaker 1: that opens up credit. Right, Yeah, it's awful in the 332 00:15:24,960 --> 00:15:27,600 Speaker 1: name of a kid. And so if you've got small children, 333 00:15:27,920 --> 00:15:30,080 Speaker 1: teenage kids, whatever it is, you're gonna want to make 334 00:15:30,080 --> 00:15:32,080 Speaker 1: sure at the same time you're freezing your credit that 335 00:15:32,120 --> 00:15:35,120 Speaker 1: you're also freezing their credit to or telling your college 336 00:15:35,120 --> 00:15:37,360 Speaker 1: age kid who's eighteen plus, you're gonna want to tell 337 00:15:37,400 --> 00:15:40,160 Speaker 1: them go freeze your own credit because this is just huge. 338 00:15:40,160 --> 00:15:41,720 Speaker 1: You just want to make sure that everyone that you 339 00:15:41,760 --> 00:15:44,560 Speaker 1: know and care about knows about this because it's free 340 00:15:44,920 --> 00:15:48,280 Speaker 1: and they're protecting themselves in doing exactly The only downside 341 00:15:48,560 --> 00:15:51,840 Speaker 1: that I found when it comes to freezing a dependence 342 00:15:51,840 --> 00:15:54,680 Speaker 1: credit is that it's not quite as easy as doing 343 00:15:54,720 --> 00:15:56,760 Speaker 1: it for yourself. And again, we'll get more into the 344 00:15:56,760 --> 00:15:59,240 Speaker 1: details on how to do this next, but that's the 345 00:15:59,240 --> 00:16:01,920 Speaker 1: only downside with with the kids. It involves sending in 346 00:16:02,080 --> 00:16:06,720 Speaker 1: documents via snail mail, so it's gonna take forever, and 347 00:16:06,760 --> 00:16:08,240 Speaker 1: people are age we don't even know how to do 348 00:16:08,280 --> 00:16:11,640 Speaker 1: that anymore, like what is a stamp? So that's the 349 00:16:12,040 --> 00:16:15,600 Speaker 1: only downside. Something else to consider is that you might think, man, 350 00:16:15,640 --> 00:16:18,080 Speaker 1: I've got a terrible credit score or I don't have 351 00:16:18,120 --> 00:16:20,560 Speaker 1: a lot of wealth built up, and you think, oh, 352 00:16:20,560 --> 00:16:22,040 Speaker 1: I'm not going to be a target, like who's gonna 353 00:16:22,040 --> 00:16:24,080 Speaker 1: target me? But you are still a target because it's 354 00:16:24,120 --> 00:16:26,600 Speaker 1: not the amount of money that you have. It's the 355 00:16:26,640 --> 00:16:29,560 Speaker 1: ability to take out credit products in your name. And 356 00:16:29,600 --> 00:16:31,720 Speaker 1: they don't care about this the damage that's gonna be caused. Yeah, 357 00:16:31,760 --> 00:16:34,120 Speaker 1: and they don't care about the interest rate that they're getting, right, 358 00:16:34,480 --> 00:16:36,280 Speaker 1: because they're just trying to get as much money as 359 00:16:36,280 --> 00:16:38,560 Speaker 1: it can. It's a money grab essentially. So all right, 360 00:16:38,600 --> 00:16:40,920 Speaker 1: so let's go over map the specifics on how in 361 00:16:40,960 --> 00:16:43,160 Speaker 1: the show notes will link to the websites for the 362 00:16:43,200 --> 00:16:47,200 Speaker 1: three bureaus, Equifax, trans Union, and Experience. Follow the steps 363 00:16:47,240 --> 00:16:49,800 Speaker 1: on those links. And those links are actually important because 364 00:16:50,120 --> 00:16:52,760 Speaker 1: there are links to other places on their websites that 365 00:16:52,840 --> 00:16:55,840 Speaker 1: look a little tricky and confusing and are selling other 366 00:16:55,920 --> 00:16:57,960 Speaker 1: products that you want to make sure you're not signing 367 00:16:58,000 --> 00:17:01,240 Speaker 1: up for. Yeah, and the biggest thing is the credit lock. 368 00:17:01,880 --> 00:17:04,800 Speaker 1: The credit bureaus want you to They're trying to make 369 00:17:04,800 --> 00:17:07,320 Speaker 1: it sound appealing like the credit lock is better for 370 00:17:07,359 --> 00:17:11,760 Speaker 1: you and it's so much easier to use via their apps. Well, 371 00:17:12,040 --> 00:17:15,680 Speaker 1: credit freeze is guaranteed by law. Credit locks are not. Also, 372 00:17:15,840 --> 00:17:18,159 Speaker 1: some of the credit bureaus want you to pay for 373 00:17:18,240 --> 00:17:21,239 Speaker 1: that easier to use credit lock, or if not, they 374 00:17:21,240 --> 00:17:22,920 Speaker 1: at least want to make you sign up for their 375 00:17:22,960 --> 00:17:26,119 Speaker 1: emails to sell you additional crap so that you essentially 376 00:17:26,160 --> 00:17:28,959 Speaker 1: can become a money making entity for them. Yeah, they 377 00:17:29,000 --> 00:17:30,719 Speaker 1: want to get you on that subscription list where you're 378 00:17:30,760 --> 00:17:33,119 Speaker 1: getting charged every month. And that's the thing. Just like 379 00:17:33,160 --> 00:17:35,919 Speaker 1: you said, the credit freeze is guaranteed by law, like 380 00:17:36,000 --> 00:17:38,480 Speaker 1: it's got certain requirements and they can't charge for that. 381 00:17:38,520 --> 00:17:41,359 Speaker 1: But the locks, that's a product. It's a product that 382 00:17:41,520 --> 00:17:44,040 Speaker 1: especially man I noticed trans Union they do a lot 383 00:17:44,040 --> 00:17:45,760 Speaker 1: of pushing in a lot of marketing to try to 384 00:17:45,920 --> 00:17:49,159 Speaker 1: steer you towards like their their specialty products. But the 385 00:17:49,320 --> 00:17:52,199 Speaker 1: terms for the credit lock can change because it is 386 00:17:52,240 --> 00:17:54,800 Speaker 1: their own product. And what that means is that the 387 00:17:54,920 --> 00:17:57,800 Speaker 1: terms and then the pricing can change to whatever they 388 00:17:57,800 --> 00:18:00,000 Speaker 1: wanted to, you know, just depending on what they feel 389 00:18:00,080 --> 00:18:02,800 Speaker 1: they they can get away with. You know, So go 390 00:18:02,880 --> 00:18:05,360 Speaker 1: through those direct links on our site because you want 391 00:18:05,400 --> 00:18:07,520 Speaker 1: to make sure you're going directly for the credit freeze, 392 00:18:07,760 --> 00:18:12,199 Speaker 1: not the crummy lock freeze, good lock bad. And the 393 00:18:12,240 --> 00:18:15,360 Speaker 1: other thing too about the credit locks is I'm sure 394 00:18:15,359 --> 00:18:17,159 Speaker 1: you saw too how they're sort of marketed as this 395 00:18:17,240 --> 00:18:20,800 Speaker 1: sort of instant, sort of on off sort of thing, right. Um, 396 00:18:20,840 --> 00:18:22,880 Speaker 1: But then the credit freezes, they're like, oh, it could 397 00:18:22,880 --> 00:18:26,280 Speaker 1: take up to three business days, it just depends, and 398 00:18:26,320 --> 00:18:29,119 Speaker 1: that's just not the case. Uh, the credit freezes take 399 00:18:29,160 --> 00:18:33,440 Speaker 1: place instantly. I logged on and no joke, within five minutes, 400 00:18:33,480 --> 00:18:35,159 Speaker 1: all three of them. I was able to freeze my 401 00:18:35,200 --> 00:18:39,320 Speaker 1: accounts pretty much instantaneously. Equifacts. It took like thirty seconds. Man, 402 00:18:39,359 --> 00:18:41,200 Speaker 1: I was shocked. It took seriously, it's like no time 403 00:18:41,240 --> 00:18:44,280 Speaker 1: at all. Again, trans Union, they're like wanting you to 404 00:18:44,320 --> 00:18:48,040 Speaker 1: create an account, create a password, and we're trying to 405 00:18:48,440 --> 00:18:49,960 Speaker 1: sell you all these other products to add to your 406 00:18:50,000 --> 00:18:52,040 Speaker 1: card and all that kind of stuff. But look past 407 00:18:52,080 --> 00:18:53,760 Speaker 1: all that. Yeah, so that's just good to know, right 408 00:18:53,800 --> 00:18:55,920 Speaker 1: because they're gonna make it sound like the lock is easier, 409 00:18:55,960 --> 00:19:00,159 Speaker 1: but in in reality, the credit freeze is better for 410 00:19:00,280 --> 00:19:03,480 Speaker 1: you and the timing is just as quick. Yeah. And 411 00:19:03,560 --> 00:19:05,679 Speaker 1: so for all three of those today actually signed up 412 00:19:05,720 --> 00:19:07,680 Speaker 1: and then got that you know that ten digit pin, 413 00:19:07,960 --> 00:19:11,040 Speaker 1: except again for trains Union gets how long their pins were? 414 00:19:11,920 --> 00:19:16,880 Speaker 1: How long? Six dude, trains Union, their whole model, their 415 00:19:16,880 --> 00:19:19,520 Speaker 1: whole sort of attitude towards it was just like it's okay, 416 00:19:19,680 --> 00:19:21,399 Speaker 1: just come on back here if you lose it, and 417 00:19:21,440 --> 00:19:24,359 Speaker 1: so like the other two Experience and Equifax. If you 418 00:19:24,400 --> 00:19:27,159 Speaker 1: lose it, you have to either mail off for a 419 00:19:27,200 --> 00:19:29,159 Speaker 1: replacement pen or call them up and they'll mail you 420 00:19:29,200 --> 00:19:31,320 Speaker 1: a new one. It's a huge process. It's like a 421 00:19:31,400 --> 00:19:32,840 Speaker 1: it's a big deal, and it's probably the way it 422 00:19:32,840 --> 00:19:36,080 Speaker 1: should be. Trains Union, man, I'm totally crapping on them, 423 00:19:36,119 --> 00:19:38,080 Speaker 1: but but they totally were just like, it's okay, just 424 00:19:38,119 --> 00:19:40,480 Speaker 1: come on back here and you can reset it. And 425 00:19:40,560 --> 00:19:43,680 Speaker 1: the nuts that's messed up, especially in light of what happened, Like, oh, 426 00:19:43,720 --> 00:19:46,520 Speaker 1: they're they're being so kind of cavalier and nonchalant about it. 427 00:19:46,880 --> 00:19:50,000 Speaker 1: Let's make this secure, guys. Yeah, exactly. But either way, 428 00:19:50,080 --> 00:19:51,959 Speaker 1: hang onto that pin because that's the number that you're 429 00:19:52,000 --> 00:19:54,000 Speaker 1: gonna need. Especially if you're gonna call them up in 430 00:19:54,040 --> 00:19:57,880 Speaker 1: person and and unfreeze your credits over the phone, you're 431 00:19:57,880 --> 00:20:00,280 Speaker 1: going to have to have that ten digit pin. Trains, 432 00:20:00,400 --> 00:20:02,720 Speaker 1: evidently you can log on your computer and do that 433 00:20:02,840 --> 00:20:05,119 Speaker 1: via the internet, but the other two, Yeah, you definitely 434 00:20:05,160 --> 00:20:07,200 Speaker 1: want to hang onto that pin. Yeah. And for folks, 435 00:20:07,280 --> 00:20:09,720 Speaker 1: up until this point, the biggest complaint about credit freeze 436 00:20:09,720 --> 00:20:11,200 Speaker 1: has been that it costs money. And like we said, 437 00:20:11,200 --> 00:20:13,959 Speaker 1: now it's free. The second biggest complaint about credit freezes 438 00:20:14,240 --> 00:20:16,840 Speaker 1: is the tend to your pin and people misplace it, 439 00:20:16,960 --> 00:20:19,880 Speaker 1: they forget it, and so when they're trying to thaw 440 00:20:19,880 --> 00:20:22,560 Speaker 1: their credit in order to use it, they can't do 441 00:20:22,640 --> 00:20:24,320 Speaker 1: it because they don't know where the pin is. And 442 00:20:24,359 --> 00:20:26,840 Speaker 1: so it's really really important that when you take action 443 00:20:26,880 --> 00:20:29,360 Speaker 1: on this, you hold on to that pin so that 444 00:20:29,400 --> 00:20:32,440 Speaker 1: you can actually freeze and thaw your credit at will 445 00:20:32,480 --> 00:20:34,880 Speaker 1: when you want, because if you lose the pin, it's 446 00:20:34,880 --> 00:20:36,920 Speaker 1: gonna be a pain in the butt to get it back. Yeah, 447 00:20:36,960 --> 00:20:40,080 Speaker 1: just store that wherever you keep your social Security number? Yeah? 448 00:20:40,240 --> 00:20:41,760 Speaker 1: Where where do you put it out? Do you tattoo 449 00:20:41,800 --> 00:20:43,040 Speaker 1: it on the small of your back? Is that where 450 00:20:43,040 --> 00:20:44,879 Speaker 1: you put your social Security number? I've got a special 451 00:20:44,920 --> 00:20:46,840 Speaker 1: document that I'm not going to talk about, Okay, all right, 452 00:20:46,920 --> 00:20:49,120 Speaker 1: I mean I see you have the passwords document to right. Yeah, 453 00:20:49,200 --> 00:20:53,480 Speaker 1: you got to okay, somewhere I'm gonna tell anywhere. Another 454 00:20:53,560 --> 00:20:56,840 Speaker 1: question folks might have is this sort of feels like 455 00:20:56,920 --> 00:20:59,280 Speaker 1: a credit inquiry maybe to some folks, And they know 456 00:20:59,480 --> 00:21:01,840 Speaker 1: if you listen in a previous episode as well, that 457 00:21:01,920 --> 00:21:03,880 Speaker 1: when you have hard inquiries on your credit, it kind 458 00:21:03,880 --> 00:21:06,040 Speaker 1: of deans your credit a little bit. That is not 459 00:21:06,080 --> 00:21:08,600 Speaker 1: what this is at all. This just keeps basically new 460 00:21:08,640 --> 00:21:12,040 Speaker 1: creditors from accessing your credit report. This has nothing to 461 00:21:12,080 --> 00:21:13,960 Speaker 1: do with your actual credit score. So you can freeze 462 00:21:13,960 --> 00:21:16,359 Speaker 1: and unfreeze your credit report literally as many times as 463 00:21:16,400 --> 00:21:17,919 Speaker 1: you want to, and it's not going to have an 464 00:21:17,960 --> 00:21:20,840 Speaker 1: impact on your credit score. It just restricts the access 465 00:21:20,880 --> 00:21:23,720 Speaker 1: that other new creditors have to your credit report. And 466 00:21:23,760 --> 00:21:26,880 Speaker 1: what's great too about the bureaus is that I actually 467 00:21:27,400 --> 00:21:29,360 Speaker 1: froze my credit today, but then I wanted to unfreeze 468 00:21:29,359 --> 00:21:31,800 Speaker 1: it to see how easy that was. It was just 469 00:21:31,840 --> 00:21:34,120 Speaker 1: as easy as freezing, man. And what's really cool too 470 00:21:34,160 --> 00:21:35,920 Speaker 1: is you can set time limits, so you can say 471 00:21:35,960 --> 00:21:38,600 Speaker 1: you can set like a window where it's gonna be 472 00:21:39,000 --> 00:21:41,160 Speaker 1: unfrozen starting on Thursday, and it's going to go through 473 00:21:41,160 --> 00:21:43,479 Speaker 1: the weekend until maybe Monday or something like that. If 474 00:21:43,520 --> 00:21:45,800 Speaker 1: you know over the weekend you're gonna apply for a 475 00:21:45,800 --> 00:21:49,560 Speaker 1: mortgage or something like that. That's incredibly handy to maintain security, 476 00:21:49,600 --> 00:21:52,080 Speaker 1: but also to to have some convenience to apply for 477 00:21:52,160 --> 00:21:54,480 Speaker 1: a new loan. Yeah, I love that. I love the 478 00:21:54,520 --> 00:21:57,480 Speaker 1: automatic refreeze after a period of time. That's pretty sweet, 479 00:21:57,680 --> 00:21:59,840 Speaker 1: all right, man. So that's the how to. After the break, 480 00:22:00,040 --> 00:22:02,800 Speaker 1: gonna talk about a fourth bureau that you need to 481 00:22:02,840 --> 00:22:14,160 Speaker 1: be aware of, a right, So we just hinted at 482 00:22:14,240 --> 00:22:16,520 Speaker 1: that fourth credit bureau and we're gonna talk about that 483 00:22:16,560 --> 00:22:18,720 Speaker 1: in a second, but first we're gonna talk about the 484 00:22:18,760 --> 00:22:22,439 Speaker 1: things that a credit freeze doesn't do, and specifically, it 485 00:22:22,480 --> 00:22:26,800 Speaker 1: doesn't keep identity theft from happening, right, will it watch 486 00:22:26,840 --> 00:22:30,440 Speaker 1: my kids? So I don't have to. You're a terrible fathers, 487 00:22:30,800 --> 00:22:33,840 Speaker 1: I know. So for real, you can still have fraudulent 488 00:22:33,920 --> 00:22:36,800 Speaker 1: charges on a card if your credit card information was stolen. 489 00:22:37,000 --> 00:22:40,520 Speaker 1: It doesn't keep fraudulent activity from happening on individual accounts 490 00:22:40,600 --> 00:22:43,640 Speaker 1: or individual cards. What it does is it keeps new 491 00:22:43,680 --> 00:22:46,960 Speaker 1: accounts from opening. And so what it's not is, you know, 492 00:22:47,000 --> 00:22:49,119 Speaker 1: on Discover card they have that there's a switch like 493 00:22:49,160 --> 00:22:50,880 Speaker 1: a button that you can push and it turns off 494 00:22:50,880 --> 00:22:52,720 Speaker 1: your card to kind of like deactivates it. Yeah, so 495 00:22:52,800 --> 00:22:55,880 Speaker 1: purchase couldn't be made. Basically, if you lose your card 496 00:22:55,920 --> 00:22:58,280 Speaker 1: and you know you've lost it, you can. They've got 497 00:22:58,320 --> 00:23:00,000 Speaker 1: a sweet app actually too, and you can log into 498 00:23:00,080 --> 00:23:02,600 Speaker 1: the app and just basically flip a switch that turns 499 00:23:02,600 --> 00:23:04,919 Speaker 1: your card off. That is not what a credit freeze does, 500 00:23:04,920 --> 00:23:06,639 Speaker 1: because obviously you still want to be able to use 501 00:23:06,680 --> 00:23:08,760 Speaker 1: your credit card. Your open lines of credit can still 502 00:23:08,800 --> 00:23:11,520 Speaker 1: be used with a credit freeze in place, exactly. Yeah, 503 00:23:11,560 --> 00:23:13,600 Speaker 1: So don't let a credit freeze give you a false 504 00:23:13,600 --> 00:23:16,160 Speaker 1: sense of security. You're still gonna want to monitor your 505 00:23:16,200 --> 00:23:19,800 Speaker 1: credit card statements because fraudulent activity can still occur on 506 00:23:19,960 --> 00:23:22,200 Speaker 1: the lines of credit that you already have. And it's 507 00:23:22,200 --> 00:23:24,600 Speaker 1: also important just to make sure you're sticking to your budget. 508 00:23:24,760 --> 00:23:26,520 Speaker 1: You want to keep up with those expenses, and you're 509 00:23:26,520 --> 00:23:28,600 Speaker 1: also gonna want to keep tabs on your credit score, 510 00:23:28,640 --> 00:23:30,959 Speaker 1: and so we talked about the best places to do 511 00:23:31,000 --> 00:23:33,119 Speaker 1: that on a previous show. Yes, so to stay on 512 00:23:33,160 --> 00:23:35,320 Speaker 1: top of your credit score for free, check out a 513 00:23:35,400 --> 00:23:39,439 Speaker 1: site like credit score card dot com that's discovers site 514 00:23:39,520 --> 00:23:41,400 Speaker 1: and you don't even have to have a discover card 515 00:23:41,440 --> 00:23:44,000 Speaker 1: in order to get your free credit score. That's one 516 00:23:44,080 --> 00:23:46,600 Speaker 1: that I use, and I checked pretty religiously because I 517 00:23:46,680 --> 00:23:49,440 Speaker 1: kind of like love their system and it's real pretty Yeah, 518 00:23:49,440 --> 00:23:51,640 Speaker 1: it's got all the colors and it's just really nice 519 00:23:51,680 --> 00:23:53,119 Speaker 1: to be able to know what your credit score is 520 00:23:53,160 --> 00:23:54,879 Speaker 1: at all times. Right, that's right, I mean, And a 521 00:23:54,880 --> 00:23:56,440 Speaker 1: lot of credit cards do it too. I know, I've 522 00:23:56,480 --> 00:23:59,359 Speaker 1: got the AMEX Everyday Blue and they've now got that 523 00:23:59,400 --> 00:24:00,960 Speaker 1: as an option like off to the side, it's like 524 00:24:01,040 --> 00:24:03,320 Speaker 1: check my FICO score. And so I think more and 525 00:24:03,359 --> 00:24:05,879 Speaker 1: more credit cards are sort of getting on this bandwagon 526 00:24:05,960 --> 00:24:07,639 Speaker 1: because they want to offer that as a benefit for 527 00:24:07,640 --> 00:24:08,920 Speaker 1: you to be able to keep up with your score. 528 00:24:09,240 --> 00:24:12,000 Speaker 1: And also, man beyond the specific just number, you know, 529 00:24:12,040 --> 00:24:13,760 Speaker 1: the credit score, you want to keep an eye on 530 00:24:13,800 --> 00:24:16,120 Speaker 1: your credit report as well, and especially if you see 531 00:24:16,160 --> 00:24:18,000 Speaker 1: something weird with your credit score, if you see a 532 00:24:18,080 --> 00:24:20,560 Speaker 1: drop you know, say fifty points or something like that, 533 00:24:20,600 --> 00:24:23,399 Speaker 1: it's like, oh, something's up. Yeah, but the brakes on 534 00:24:24,280 --> 00:24:27,080 Speaker 1: actual report, and you can do that at annual credit 535 00:24:27,119 --> 00:24:29,520 Speaker 1: report dot com. Once a year. You can go there 536 00:24:29,560 --> 00:24:32,040 Speaker 1: and get a free credit report. Doesn't cost you anything 537 00:24:32,160 --> 00:24:34,720 Speaker 1: from each of the bureaus exactly. Yeah, that's right, And 538 00:24:34,760 --> 00:24:36,600 Speaker 1: it's just a way for you to get more detail 539 00:24:37,160 --> 00:24:39,920 Speaker 1: from what's going on with your credit score versus more 540 00:24:39,960 --> 00:24:41,960 Speaker 1: of like the snapshot. You know, the credit card companies 541 00:24:42,000 --> 00:24:44,320 Speaker 1: offer more of the snapshot like that your credit score, 542 00:24:44,680 --> 00:24:46,280 Speaker 1: but then if you want to really drill down to 543 00:24:46,359 --> 00:24:48,640 Speaker 1: what's actually going on, sort of behind the curtain. Check 544 00:24:48,680 --> 00:24:50,720 Speaker 1: out that Annual Credit Report dot com. Yeah, and just 545 00:24:50,800 --> 00:24:53,119 Speaker 1: let it be known, Annual Credit Report dot com is 546 00:24:53,160 --> 00:24:57,000 Speaker 1: literally the only site that allows you guaranteed access by 547 00:24:57,040 --> 00:25:00,800 Speaker 1: federal law to your free credit reports every year. Right, 548 00:25:00,800 --> 00:25:04,000 Speaker 1: so you can check out each bureaus credit report on 549 00:25:04,080 --> 00:25:06,639 Speaker 1: you once a year for free at Annual credit report 550 00:25:06,680 --> 00:25:09,200 Speaker 1: dot Com. Don't be fooled when you're signing up for 551 00:25:09,359 --> 00:25:13,199 Speaker 1: credit freeze at the individual bureau sites. Don't be fooled 552 00:25:13,200 --> 00:25:16,200 Speaker 1: into paying money to get your credit report because they're 553 00:25:16,280 --> 00:25:19,359 Speaker 1: trying to sell you credit locks, credit reports, all these things. Well, 554 00:25:19,400 --> 00:25:21,879 Speaker 1: Annual Credit Report dot Com is the one place to 555 00:25:21,920 --> 00:25:26,080 Speaker 1: turn where it's free. I guarantee that TransUnion has some 556 00:25:26,160 --> 00:25:30,120 Speaker 1: sort of paid credit report, oh for sure. I bet 557 00:25:30,160 --> 00:25:34,440 Speaker 1: they have like a premium golden membership, like for fifteen 558 00:25:34,440 --> 00:25:36,720 Speaker 1: dollars a month. So do you remember the jingles the 559 00:25:36,800 --> 00:25:40,320 Speaker 1: days of like the free credit score jingles? Uh, they 560 00:25:40,359 --> 00:25:43,080 Speaker 1: were prevalent all over TV. Jingles wait jingles on TV 561 00:25:43,200 --> 00:25:45,240 Speaker 1: for credit report? Yeah dude, it was like free credit 562 00:25:45,320 --> 00:25:46,840 Speaker 1: report dot com. And they had these like, you know, 563 00:25:47,280 --> 00:25:50,439 Speaker 1: the draggled college students, you know, singing songs on their 564 00:25:50,440 --> 00:25:52,639 Speaker 1: acoustic guitar about how to get your free credit report. 565 00:25:52,880 --> 00:25:55,159 Speaker 1: But the thing is it was all this essentially a 566 00:25:55,280 --> 00:25:57,720 Speaker 1: lure to getting you to sign up for It was 567 00:25:57,800 --> 00:25:59,439 Speaker 1: free to get it initially, but then you had to 568 00:25:59,440 --> 00:26:01,920 Speaker 1: give your credit information and every month there after you 569 00:26:02,000 --> 00:26:06,480 Speaker 1: got build fourteen. And that's still the kind of tactics 570 00:26:06,480 --> 00:26:09,359 Speaker 1: that these credit bureaus are pulling. So just be aware 571 00:26:09,400 --> 00:26:11,399 Speaker 1: and be careful. You don't want to input any credit 572 00:26:11,400 --> 00:26:14,200 Speaker 1: card information on their sites. The things that you want 573 00:26:14,240 --> 00:26:17,680 Speaker 1: access to are free. And then lastly, man, we're gonna 574 00:26:17,680 --> 00:26:21,080 Speaker 1: talk about that fourth bureau. This one is much smaller, however, 575 00:26:21,080 --> 00:26:22,959 Speaker 1: it seems like it's sort of gaining steam. And are 576 00:26:23,000 --> 00:26:26,000 Speaker 1: you ready for this? Because it's long. It's the National 577 00:26:26,080 --> 00:26:31,040 Speaker 1: Consumer Telcom and Utilities Exchange. Can we give it like 578 00:26:31,040 --> 00:26:32,960 Speaker 1: a cute nickname or something, because that is really long. 579 00:26:33,040 --> 00:26:35,000 Speaker 1: I mean, yeah, it's the the n C T U 580 00:26:35,119 --> 00:26:38,480 Speaker 1: e UM, but that's not that much better. But they 581 00:26:38,520 --> 00:26:41,480 Speaker 1: provide credit information to uh like a lot of the 582 00:26:41,520 --> 00:26:43,560 Speaker 1: cell phone companies, so I know a T and T, 583 00:26:44,080 --> 00:26:46,879 Speaker 1: I think Verizon as well, but some cable companies and 584 00:26:46,920 --> 00:26:49,399 Speaker 1: also a lot of utility companies. You can go on 585 00:26:49,480 --> 00:26:53,399 Speaker 1: there and freeze your report with them. It's also free, 586 00:26:53,920 --> 00:26:57,800 Speaker 1: and it's honestly set up just like Equifax, like exactly 587 00:26:57,840 --> 00:26:59,439 Speaker 1: the same. The only thing that's different is in the 588 00:26:59,440 --> 00:27:02,080 Speaker 1: top corner is the logo is different. But it's just 589 00:27:02,160 --> 00:27:03,960 Speaker 1: as easy. And so what that means is that it 590 00:27:04,000 --> 00:27:05,919 Speaker 1: only takes thirty seconds. So go ahead and do that 591 00:27:05,960 --> 00:27:08,120 Speaker 1: if you really want to cover all your bases. Sweet. Yeah, 592 00:27:08,160 --> 00:27:09,280 Speaker 1: and we'll put a link to that one in the 593 00:27:09,280 --> 00:27:12,159 Speaker 1: show notes as well. Definitely make sure just take you know, 594 00:27:12,200 --> 00:27:14,479 Speaker 1: thirty minutes out of your day on a Saturday, and 595 00:27:14,560 --> 00:27:16,679 Speaker 1: freezer accounts with all three of the major bureaus and 596 00:27:16,680 --> 00:27:21,560 Speaker 1: then this one fourth straggler, the National Consumer Telecommon Utilities Exchange. 597 00:27:21,680 --> 00:27:23,720 Speaker 1: You'll go straight to those pages if you get to 598 00:27:23,720 --> 00:27:26,600 Speaker 1: our website and click over, and for real, not even 599 00:27:26,640 --> 00:27:29,480 Speaker 1: thirty minutes. Man, five minutes. I kind of was racing 600 00:27:29,520 --> 00:27:31,200 Speaker 1: myself a little bit because I wanted to prove to 601 00:27:31,240 --> 00:27:32,840 Speaker 1: myself that I could do it in the under five minutes. 602 00:27:32,880 --> 00:27:34,360 Speaker 1: But no joke, I was able to do it. It's 603 00:27:34,440 --> 00:27:37,280 Speaker 1: super easy, super quick. I'm just really slow. So I 604 00:27:37,280 --> 00:27:38,439 Speaker 1: just want to, like, you know, to all the other 605 00:27:38,480 --> 00:27:40,880 Speaker 1: people that that click slowly and fill out their information 606 00:27:40,960 --> 00:27:42,600 Speaker 1: and takes a little time, and and also you just 607 00:27:42,640 --> 00:27:44,560 Speaker 1: want to make sure that what you're reading that you're 608 00:27:44,600 --> 00:27:48,720 Speaker 1: not getting lowered into incorrect And so hopefully those links 609 00:27:48,720 --> 00:27:51,480 Speaker 1: too will help people land on the exact right page 610 00:27:51,600 --> 00:27:53,720 Speaker 1: that they're not signing up for something that costs the 611 00:27:53,800 --> 00:27:56,359 Speaker 1: money or that they don't mean to be signing up for. 612 00:27:56,520 --> 00:27:58,240 Speaker 1: That's right, man, I love it all right, Matt, Let's 613 00:27:58,240 --> 00:28:00,119 Speaker 1: tell folks about the beer were we drank tonight. We 614 00:28:00,240 --> 00:28:04,280 Speaker 1: had Focal Banger by the Alchemist in Vermont. Yeah. Man, 615 00:28:04,320 --> 00:28:07,280 Speaker 1: We've mentioned this on previous episodes, but the New England 616 00:28:07,359 --> 00:28:10,679 Speaker 1: style hazy I p A. It really is like my 617 00:28:10,840 --> 00:28:12,920 Speaker 1: Desert Island beer, you know, Like you mentioned how you've 618 00:28:12,960 --> 00:28:15,679 Speaker 1: got other favorites, but and I have those favorites too. 619 00:28:15,680 --> 00:28:18,879 Speaker 1: I mean, we both love a solid Flanders red, but 620 00:28:18,960 --> 00:28:20,639 Speaker 1: I can't drink that every night, you know, like a 621 00:28:20,640 --> 00:28:24,920 Speaker 1: good barrel age Flanders red, Lucy. I'd love to see 622 00:28:24,960 --> 00:28:26,760 Speaker 1: you drink one of those every night. You probably could, 623 00:28:26,800 --> 00:28:29,440 Speaker 1: you're a beast, but every night I could drink in 624 00:28:29,440 --> 00:28:32,000 Speaker 1: New England style I p A. And what I found 625 00:28:32,040 --> 00:28:34,080 Speaker 1: I think that I love about it is that the 626 00:28:34,160 --> 00:28:36,920 Speaker 1: body it's got the haziness and it just feels a 627 00:28:36,960 --> 00:28:40,920 Speaker 1: little heavier in your mouth and just those hop aromas 628 00:28:40,960 --> 00:28:43,160 Speaker 1: just sit there on your tongue. I love it. It's 629 00:28:43,160 --> 00:28:45,640 Speaker 1: it's just a departure from the West Coast style where 630 00:28:45,680 --> 00:28:49,240 Speaker 1: it's just sort of like resone and bitter. If you're 631 00:28:49,280 --> 00:28:50,720 Speaker 1: if you're looking to move on from that and you're 632 00:28:50,760 --> 00:28:54,480 Speaker 1: looking for something typically a little juicier, consider New England 633 00:28:54,480 --> 00:28:56,240 Speaker 1: st I P A. S. And And if you're lucky 634 00:28:56,320 --> 00:28:59,080 Speaker 1: enough to get some Alchemist beers, man, they're winners for sure. 635 00:28:59,160 --> 00:29:01,280 Speaker 1: You know what I find like the coolest about The 636 00:29:01,280 --> 00:29:04,040 Speaker 1: Alchemist as a brewery is that when they first launched, 637 00:29:04,280 --> 00:29:06,440 Speaker 1: they had one beer, Hetty Topper, that was like the 638 00:29:06,480 --> 00:29:08,800 Speaker 1: only beer that they made, I think the g and 639 00:29:08,840 --> 00:29:10,240 Speaker 1: so I think that's actually part of the reason that 640 00:29:10,240 --> 00:29:12,000 Speaker 1: they kind of gained a cult following was that they 641 00:29:12,040 --> 00:29:14,280 Speaker 1: made one beer and they made it so well and 642 00:29:14,280 --> 00:29:16,480 Speaker 1: so for I have to look up the numbers on this, 643 00:29:16,520 --> 00:29:19,320 Speaker 1: but I swear they only made Hetty Topper for close 644 00:29:19,360 --> 00:29:21,600 Speaker 1: to like a decade something like that, like six, seven, 645 00:29:21,640 --> 00:29:24,120 Speaker 1: eight years something crazy. And then finally I think they 646 00:29:24,120 --> 00:29:26,080 Speaker 1: have two more beers in their rotation, but they're all 647 00:29:26,120 --> 00:29:28,800 Speaker 1: still in that same yeah, I think that's there's more. 648 00:29:29,080 --> 00:29:31,640 Speaker 1: I think there's just three. I think i'sen look at 649 00:29:31,760 --> 00:29:33,680 Speaker 1: awesome If so, I love that model and they're all 650 00:29:33,720 --> 00:29:35,960 Speaker 1: I p A s right. So they kind of specialize 651 00:29:36,000 --> 00:29:38,520 Speaker 1: in this kind of beer. That's what they do, and 652 00:29:38,560 --> 00:29:40,760 Speaker 1: it's just kind of really cool to see this. This 653 00:29:40,800 --> 00:29:45,640 Speaker 1: brewery makes something amazing out of really sticking to exactly 654 00:29:45,720 --> 00:29:47,800 Speaker 1: what they know how to do well. And uh yeah, 655 00:29:47,880 --> 00:29:50,600 Speaker 1: so thanks again to Pastor Matt for giving us some 656 00:29:50,640 --> 00:29:53,480 Speaker 1: focal banger tonight. Thank you so much. All right, Matt, 657 00:29:53,560 --> 00:29:56,200 Speaker 1: let's get into the final thoughts. First off, your info 658 00:29:56,360 --> 00:30:00,520 Speaker 1: is floating around after the Equifax breach last year, Almost 659 00:30:00,520 --> 00:30:03,160 Speaker 1: half of America's info is floating around, and that's why 660 00:30:03,200 --> 00:30:06,479 Speaker 1: you need to do a credit freeze now. Yeah. Man, 661 00:30:06,480 --> 00:30:08,160 Speaker 1: The reason that this is so important is that you 662 00:30:08,200 --> 00:30:11,040 Speaker 1: have to get that credit freeze to prevent that criminal activity. 663 00:30:11,400 --> 00:30:15,600 Speaker 1: Not because you're financially responsible for any criminal fraudulent activity, 664 00:30:15,640 --> 00:30:18,840 Speaker 1: but because it's a huge freaking hassle to clean up 665 00:30:18,840 --> 00:30:22,040 Speaker 1: the mess that any criminals were to make. Yeah, And 666 00:30:22,080 --> 00:30:24,440 Speaker 1: the main reason that we're creating this episode right now 667 00:30:24,600 --> 00:30:27,959 Speaker 1: is because a huge change has occurred. Credit freezes are 668 00:30:28,000 --> 00:30:31,280 Speaker 1: now free thanks to federal law. Yeah, man, that's right. 669 00:30:31,320 --> 00:30:32,880 Speaker 1: I mean, you know, we talked about it earlier, but 670 00:30:32,880 --> 00:30:34,400 Speaker 1: I really do view it as sort of a public 671 00:30:34,400 --> 00:30:36,640 Speaker 1: service now. It's almost like a public park. Is something 672 00:30:36,720 --> 00:30:41,040 Speaker 1: that the government, like the state provides now and you 673 00:30:41,080 --> 00:30:43,280 Speaker 1: need to take advantage of it. And so the specifics 674 00:30:43,320 --> 00:30:45,360 Speaker 1: on how to do this. The easiest way is just 675 00:30:45,400 --> 00:30:47,040 Speaker 1: to go to our website. On the show notes, we're 676 00:30:47,040 --> 00:30:49,160 Speaker 1: going to have the links to all three credit bureaus, 677 00:30:49,200 --> 00:30:51,960 Speaker 1: including the fourth one, the Little Guy, But we'll have 678 00:30:52,000 --> 00:30:54,080 Speaker 1: links there to point you in the right direction so 679 00:30:54,120 --> 00:30:56,000 Speaker 1: that you know exactly where to go and be sure 680 00:30:56,040 --> 00:30:59,560 Speaker 1: to avoid anything that says lock. Those links take you 681 00:30:59,600 --> 00:31:02,200 Speaker 1: directly to the credit freeze pages. And even if you 682 00:31:02,320 --> 00:31:06,160 Speaker 1: I found this Google Equifax credit Freeze or these different 683 00:31:06,200 --> 00:31:08,560 Speaker 1: the different bureau and credit freeze after their name, they'll 684 00:31:08,560 --> 00:31:11,400 Speaker 1: take you to some tricky landing pages at times. So 685 00:31:11,440 --> 00:31:13,760 Speaker 1: we're giving you the links directly to the credit freeze 686 00:31:13,760 --> 00:31:16,640 Speaker 1: page so that you can bypass some of those trickster 687 00:31:16,760 --> 00:31:19,760 Speaker 1: selling sites that they've created. Let's just cut off the middleman. Google. 688 00:31:20,000 --> 00:31:23,520 Speaker 1: Who needs it. Thank you guys so much for listening. 689 00:31:23,760 --> 00:31:26,040 Speaker 1: We really appreciate it. Our home on the web is 690 00:31:26,080 --> 00:31:28,640 Speaker 1: how to money dot com. We'll have our show notes 691 00:31:28,720 --> 00:31:31,200 Speaker 1: up there with some links that we referenced in the show. Yeah, 692 00:31:31,240 --> 00:31:33,240 Speaker 1: and if you like what you've heard on this podcast 693 00:31:33,360 --> 00:31:35,160 Speaker 1: and you found it helpful, let us know please by 694 00:31:35,200 --> 00:31:37,960 Speaker 1: giving us a review on Apple Podcasts or wherever you 695 00:31:38,000 --> 00:31:41,040 Speaker 1: listen to podcasts. It just lets other people know about 696 00:31:41,040 --> 00:31:43,840 Speaker 1: our show, and be sure to subscribe while you're there. 697 00:31:44,040 --> 00:31:47,040 Speaker 1: That's right, man. Until next time, Best friends Out, Best 698 00:31:47,080 --> 00:31:47,800 Speaker 1: Friends Out.