I handle the credit applications for financing at my store. During Christmas shopping time, we had a customer who had his declined. He was furious because he claims he had good credit. The finance company we go thru told me had had a freeze on his acct and they couldn't access it to run his credit.
When I then told the customer he had a freeze he told me he had called the company he goes thru and since it was a holiday the normal 3 days it takes was turning into a week. Turns out the freeze he had placed caused so much of a headache not only for him, but for us and the finance company. It literally took days for the issue to be resolved. And I guess you pay like $10 a month or something to do this. I guess its nice if you are never going to need to access your credit again.