Reply
Frequent Contributor
Posts: 304
Registered: ‎02-03-2008
0

Experian CR Freeze

[ Edited ]

If I place a security freeze on my Experian report will I still be able to receive my monthly PSECU Experian FICO Scores?  Experian is my worst report with 14 inqs. :-(

 

Thanks,

Bobby

Fico Scores: EQ 677 (10/3/14) EX 648 (10/03/14) TU 656 (10/03/14)
Credit after BK DC 1/14/14: C1 Venture One $10,000 (10/2014) C1 Quicksilver Plat MC $4000 (2/2014) Sams Club Store Card $437 (10/1/14)
Survived BK Filing: Fort Knox CU Plat Visa $5000 / Lowes $7000 / HSN Card $3000 / Walmart Card $2000 / Macys $800 / Target Red Card $500 / Fingerhut $600
Super Contributor
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Experian CR Freeze

 
Frequent Contributor
Posts: 304
Registered: ‎02-03-2008
0

Re: Experian CR Freeze

Any comments DI?

Fico Scores: EQ 677 (10/3/14) EX 648 (10/03/14) TU 656 (10/03/14)
Credit after BK DC 1/14/14: C1 Venture One $10,000 (10/2014) C1 Quicksilver Plat MC $4000 (2/2014) Sams Club Store Card $437 (10/1/14)
Survived BK Filing: Fort Knox CU Plat Visa $5000 / Lowes $7000 / HSN Card $3000 / Walmart Card $2000 / Macys $800 / Target Red Card $500 / Fingerhut $600
Super Contributor
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Experian CR Freeze

[ Edited ]

I left a comment.  I'm not sure what happened to it.  Putting a credit freeze on the report would only affect PSECU if they try to do a hard pull.  But, I have  experienced a situation with Sears where I cannot get the free credit score they offer due to my having a freeze on my TU report.  But somehow, Credit Karma is still able to soft my TU report and give me a score. 

Frequent Contributor
Posts: 304
Registered: ‎02-03-2008
0

Re: Experian CR Freeze

Thanks DI.  I just froze the report!

Fico Scores: EQ 677 (10/3/14) EX 648 (10/03/14) TU 656 (10/03/14)
Credit after BK DC 1/14/14: C1 Venture One $10,000 (10/2014) C1 Quicksilver Plat MC $4000 (2/2014) Sams Club Store Card $437 (10/1/14)
Survived BK Filing: Fort Knox CU Plat Visa $5000 / Lowes $7000 / HSN Card $3000 / Walmart Card $2000 / Macys $800 / Target Red Card $500 / Fingerhut $600
Super Contributor
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Experian CR Freeze

I've had a credit freeze on my TU and EX reports since July 2009.  

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.