So far Experian can't get my info straight enough for me to login, I don't know about using a pin that they have control over.
If you are a younger person and think you will be wanting credit do not put a freeze on your credit. It usually has a cost to put it on and a cost to take it off. I am not young but still decided to do their free Fraud Alert. All you have to do is file it at one of the credit reporting agencies and they have to forward that info to the others. I got mine for 6 months but you can opt for 7 years too. And what this means is if someone is trying to get credit in your name you will be called personally.
A credit freeze locks your credit file to creditors and should keep bad guys from taking out new loans or opening credit cards or buying cellphones in your name. Credit monitoring doesn't keep thieves from using your stolen information; it simply notifies you after something bad has happened. A fraud alert placed on a credit file cautions creditors that the person's information may have been stolen. But many creditors don't even check this; they're not required to. It's like pretty please. Don't think that if you froze your credit files years ago that you're safe from a breach, e.g. Equifax's internal files were breached, not just the ones available to creditors.
I think Experian is cashing in on it. Consumers really do not know if they have been compromised by the breach at Equifax and they have been advised do something asap. The Equifax website's are overwhelmed and many people have not been able to freeze their credit (it is free up until Nov 21). I think Experian is trying to get consumers to use their fee based services as an alternative. The Dark Web search they offer is taking advantage of the panic. It is a ruse.
