Awaiting Trump's signature is legislation that would make freezing your credit free. I am pro and con on this.
The con is my basic desire to keep government out of the private sector. The pro is that because of Equifax's screw up, I have had to pay for credit freezes at the three agencies. Not just pay for freezes, but pay to unfreeze and refreeze. It wasn't even for a loan or anything. When I was taking gas service in and out of my name at my rentals, the stupid gas company forced a credit check, so I had to pay for the "off and back on again" at the credit agencies.
This could easily have been handled without govt interference if the companies just changed their business model to make this stuff free to begin with. Especially since I don't "buy" their services. In reality, I have to use them whether I want to or not because businesses I chose to deal with, or that I have no choice but to deal with, use the credit services. Given that situation, I think forcing people to pay to protect their privacy, bank accounts, etc. is pretty crappy.
http://money.cnn.com/2018/05/22/pf/free-credit-freeze/index.html