For Equifax this took me all of five minutes. You can unfreeze anytime you want and its free. Do it with all three major agencies and protect yourself from identity thieves using your info to harm you. They can still get your identity, the question is how they use that against you and this makes it much harder. Please take the time to do it now. It really is a fast process. Make a folder on your computer to back this info up, the PIN used to unfreeze later, and back that folder up online if you can. Just like you save those images.