Re: @AC
"1) Pay $10 per credit bureau and 'freeze' your credit reporting. (Meaning no one can pull a credit report without your approval)"
This is done on a per agency basis. So you'll need to lock Equifax, Experian and TransUnion records individually. But then never unlock your Equifax account. If a bank or lender wants your credit info, tell them to use one of the other two. Or take your business elsewhere.
Biting the hand that feeds IT
