I went to freeze some of the smaller lenders today but they don't have accounts for me. Should I create them and freeze them?
I'm going through the master list and making sure I've got everything frozen. A couple of the small ones like datax and clarity say they have no files for me and to freeze the account I need to send them a copy of my driver's license and social security number to have them create my file and then freeze it.
I'm trying to decide which is the better play security wise. If I mailed these documents I will mail them certified mail with signature requested. But is that actually taking one step away from the fraudster and making it easier? Or doesn't make more sense to create the file and to get it locked before anyone else gets there?
Edit: sorry I know it is incorrect to call these agencies lenders I was just typing too fast.