Deep Freeze

I got motivated yesterday to do some credit-report hygiene. I wrote a HOWTO describing process of freezing all 3 major reports, see (http://git.galthub.com:3000/gmj/home.public.howto/src/master/home/public/HOWTO/freezing-credit-reports.org)

I also added some commentary what motivates the credit unions (and it’s not your security and privacy) and the sad state of things 9 years after one of them lost 200 million records (likely including yours).