i keep mine frozen your score will still fluctuate. i was the victim of identity theft , where someone was attempting to take out a loan in my name. i only caught it by luck that the lender sent insurance paperwork otherwise i would not have known. ever since then i freeze my credit reports. its not a big deal easy to do and at first i would forget that there frozen and i would have to unfreeze them to apply for something , but now i usually dont unfreeze them until they mention it. helps assure me that its working . the hardest part of the whole thing is remembering which site does which report and my log in since i only have had to unlock it 3 times in as many years, but it only takes 30 seconds.
i usually am on the line with them i unlock it they pull the report and i lock it back.
