I needed to unlock with Experian for one day a whlie back and was unable to do it online after following their instructions exactly and providing the proper PIN.I was also unable to talk to a human because the only way that can happen is to buy one of their credit reports to get a credit report number. GS wrote:I have my credit frozen with all 3 credit reporting agencies. Also if you have a lot of pulls on a certain bureau you can unfreeze one that has no pulls and has a higher score. By selectively unfreezing one as needed, it means they cant. The secondary benefit of this is that some places pull all 3 and give you 3 hard pulls. Some places refuse to pull anything but the one they like. Most places will pull their main one and if its frozen be willing to pull a different one. Make sure you ask which bureau they want to pull so you unfreeze the right one. I dont anticipate needing to unfreeze anytime soon, but if I do, it will be to unfreeze ONE. If you lose the PIN its going to be a hassle to unfreeze. The only gotcha is to make sure you save the PIN they give you so that you can unfreeze it.
Exemptions to credit freezes are:Ģ) Companies that you have existing business relationships with If you freeze a credit report it will NOT prevent them from doing that. I had to as him to call the back office and verify which agency they were going to check before I lifted the freeze.Ĭredit card and insurance companies frequently re-pull their customer's credit reports throughout the year to re-evaluate terms. It turns out that they used transunion instead. This of course necessitated another credit inquiry (unfreeze), even though they had just checked 2 weeks ago.Īnother problem I encountered was that the insurance agent "assumed" that they use experian because that was the credit monitoring package that they sold.
When I received the card and noticed the amount I had to call and request a credit increase. One problem I had was that the credit card company issued the card with a very low credit limit. I had an existing relationship with the credit card company, but not with the insurance company. I recently applied for a credit card and for insurance with a new company, they both wanted to check my credit and I had to unfreeze one of the agencies before they would proceed. In Oklahoma we have to pay $10 to freeze and $10 to unfreeze. of course, to unfreeze your credit info takes another $5. Jeff mc wrote:however, you can 'freeze' your credit info at all 3 sites, for $5 per site. and did you thaw just one of them or all 3 during mortgage shopping or whatever. Have you frozen your info? what have been the downsides? how quick have you been able to thaw them when needed. will my car or home insurance go up? will our credit scores plummet? will our available lines of credit get reduced at existing credit cards companies? do websites instantly check credit info before approving airline ticket purchases or other big ticket items? but what gives me pause are any unintended, unknown consequences. it only takes $30 (6 times 5) but also has the hassle of freezing (and eventually thawing them). of course, to unfreeze your credit info takes another $5.įor the foreseeable future, we don't plan on opening any new accounts, new car financing (we would pay cash most likey, anyway), cell phone plans, new mortgage/home, or any other need to keep our credit info open. However, you can 'freeze' your credit info at all 3 sites, for $5 per site. which i find annoying, but worth the hassle. all 3 credit agencies constantly try to upsell you into buying your credit score, credit protection, credit monitoring, etc.
Transunion ze account free#
These free reports don't supply a credit score, but just all account info. so 6 times a year, every 2 months, i'll take a quick look.
i review a report every 2 months (alternating between my report and wife's) to look for fraud / ID theft / wrong info.
everyone gets a free credit report from the 3 credit reporting agencies annually. We've never been victims of identify theft.
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