That's what I'm going to do. Put a Credit Freeze on all four. I'm going to ask that they be free, given the Equifax breach.
I'm not going to re-fi my mortgage. And I won't apply for one, until I find something to buy in South Cackalacky and that won't be until June 2019
at the earliest. I have two credit cards and that's plenty. (One simply sits in the car as an emergency card, it rarely gets used, as in I think I used it twice. The other is pretty much for on-line purchases and things like hotels, it gets paid off each month.)
All the money goes into the USAA "Main" Checking account. Major/Monthly bills get paid from there.
I have another USAA "Checking" Account for the debit card. I only keep ~$300 in there (When it gets below $100, I move $300 from the big account into it). And that's for gas, groceries, the occasional meal out, etc. If it gets compromised, I'm only out a couple hundred at most, not thousands, and worrying that I'll be late on the mortgage/bills waiting for the bank to unfuck whatever happened. I've read horror stories on FB about people waiting weeks or months to get the money "back" in their accounts.
I also have two accounts at local banks. Emergency funds. $2,000 in one bank. $5,000 in the other (Which also gets me a free safe deposit box.
) Both have ATM cards and checks. I've never used either, as they are far emergencies. (Car totally craps out, part of the house breaks, Insurance deductibles, etc...knocks wood.)
So I'm not in the market for new credit. No reason for anyone to pull my credit reports. Freeze it is...