No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Oh, sorry---I guess my post wasn't clear. I did mean "freeze" my credit, not merely opt out.
haulingthescoreup wrote:
By "locking up my credit reports", do you mean opting out of preapprovals? If so, that won't affect CLI's and updates. Opting out just blocks companies that you are not currently doing business with from softing your reports with PR (promotional) prefixes. Your current companies can still soft you with AR (account review) or AM (account maintenance) prefixes.
Back when I was opted out, I was still hitting TrueCredit daily and getting monitoring alerts from the various random services that I had accumulated along the way.
If you're talking about a freeze or fraud alert, I can't help you --we'll need input from someone else.
.
haulingthescoreup wrote:
Back when I was opted out, I was still hitting TrueCredit daily and getting monitoring alerts from the various random services that I had accumulated along the way.Were you able to change what TrueCredit would alert you to? It almost sounds like you were alerted to soft inquiries as well.
TrueCredit doesn't see softs or alert you to them. I semi-accidentally had signed up for EX's Consumerinfo.com monitoring service (tried to do the one month freebie and bobbled it as usual), plus I have Equifax's Credit Watch Gold (love it, love it), plus I have ScoreWatch through myFICO.
@UpNComing wrote:
Were you able to change what TrueCredit would alert you to? It almost sounds like you were alerted to soft inquiries as well.
@haulingthescoreup wrote:
Back when I was opted out, I was still hitting TrueCredit daily and getting monitoring alerts from the various random services that I had accumulated along the way.
@haulingthescoreup wrote:TrueCredit doesn't see softs or alert you to them. I semi-accidentally had signed up for EX's Consumerinfo.com monitoring service (tried to do the one month freebie and bobbled it as usual), plus I have Equifax's Credit Watch Gold (love it, love it), plus I have ScoreWatch through myFICO.
@UpNComing wrote:Were you able to change what TrueCredit would alert you to? It almost sounds like you were alerted to soft inquiries as well.
@haulingthescoreup wrote:
Back when I was opted out, I was still hitting TrueCredit daily and getting monitoring alerts from the various random services that I had accumulated along the way.
So TC would send alerts for all three CRA's, plus the EX thing would send alerts for EX alone, and EQ would send alerts for EQ, plus ScoreWatch would also send alerts for EQ and for score changes.
But these were all for the usual new account, balance increase, blah blah stuff. I have to pull the full report for the softs.
That's what's nice about Equifax's Credit Watch Gold, btw --you can pull a full report every day, softs and all. They tell you your full age and average age in years and months, they break down util in mortgage, installment and revolving; a great little service. PLUS you have a phone number that is answered with additional hours beyond the usual 9-5 hours.
@smallfry wrote:
Hauling aren't you worried about getting a split file from pulling EQ CWG everyday? I had it loved it but dropped it for that reason.