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Learning, Sharing, and Teaching => Ask a Mustachian => Topic started by: notmyhand on November 20, 2017, 06:24:23 PM

Title: Things to do before freezing credit?
Post by: notmyhand on November 20, 2017, 06:24:23 PM

I'm about to sign for my HELOC to use as an additional emergency fund.  I use the citi 2% back and fidelity 2% back credit cards.  Anything else I should do before freezing my credit?  I might be interested by any other card offers but I don't travel much and my largest shopping expenses are Tractor Supply and Walmart plus I don't have a set place I get my gas.  I live in a state where it costs money to unfreeze my credit hence making sure I have to do so as little as possible.  Am I missing anything?

Thanks!

Title: Re: Things to do before freezing credit?
Post by: topshot on November 20, 2017, 06:57:13 PM

If you haven't already done so , open your IRS (looks like they have stopped allowing new users for a while - perhaps because they had used Experian?) and SS online accounts prior to freezing. See this thread (https://forum.mrmoneymustache.com/welcome-to-the-forum/freezing-your-credit-and-a-half-dozen-other-tips-to-protect-your-identity/).

Title: Re: Things to do before freezing credit?
Post by: kpd905 on November 21, 2017, 06:28:17 AM

Maybe grab one or two cards to hit some sign up bonuses, you'll get much better than 2% back with that.  The Chase Sapphire Preferred gives you $500 when you spend $4k, which is 12.5% back.  Otherwise there are many cards that give $150 to spend $500, or 30% back.