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One stop place for freezing all three Credit Reports?

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ibmrad7
Established Contributor

One stop place for freezing all three Credit Reports?

Hi Folks,

 

                I am wondering whats the most cheapest, quickest option to freeze all three CRs? If it doesnt exist, whats the usual process?

 

Thanks in advance.

 

Message 1 of 14
13 REPLIES 13
pkhuu78
Contributor

Re: One stop place for freezing all three Credit Reports?

Yes, i also want to know.  thanks!!


......NPSL.........14.5 K............30 K..........20 K.........10 K...............8 K.............7.5 K..........
Message 2 of 14
mxp114
Valued Contributor

Re: One stop place for freezing all three Credit Reports?

AFAIK no such service, you must freeze each one individually via the company itself. It's very easy and all three offer an online process to freeze. Just make note of your PIN(s) because you don't want to misplace them.

Message 3 of 14
ibmrad7
Established Contributor

Re: One stop place for freezing all three Credit Reports?

Thanks mxp. Each freeze unfreez costs money? 

Message 4 of 14
webhopper
Moderator Emeritus

Re: One stop place for freezing all three Credit Reports?

Make a form letter, and then all you have to do is change the address. I sent mine off through the mail.
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 5 of 14
Anonymous
Not applicable

Re: One stop place for freezing all three Credit Reports?

If you freeze your credit reports will soft pulls still go through?

Message 6 of 14
radiomando
New Contributor

Re: One stop place for freezing all three Credit Reports?

Message 7 of 14
mxp114
Valued Contributor

Re: One stop place for freezing all three Credit Reports?


@ibmrad7 wrote:

Thanks mxp. Each freeze unfreez costs money? 



It varies by state, http://www.consumersunion.org/campaigns/learn_more/003484indiv.html has more info. It can be fee-free if you are a victim of fraud with a valid report.


@Anonymous wrote:

If you freeze your credit reports will soft pulls still go through?



Yeah they do, I even still get pre-approval offers. If you want pre-approvals to continue, I think you need to manually opt back in because the freeze process may opt you out. Visit the official site for details on opting back in at https://www.optoutprescreen.com/?rf=t

Message 8 of 14
webhopper
Moderator Emeritus

Re: One stop place for freezing all three Credit Reports?

Soft pulls will still go through. And you have to pay a fee depending on what state you live in. My state is Oklahoma. You can either authorize one lender to do a pull, or you can unfreeze the report for a set time period like 1 week or 1 month. I did mine since I'm done with applying for new credit for a very long time.
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 9 of 14
LS2982
Mega Contributor

Re: One stop place for freezing all three Credit Reports?


@ibmrad7 wrote:

Hi Folks,

 

                I am wondering whats the most cheapest, quickest option to freeze all three CRs? If it doesnt exist, whats the usual process?

 

Thanks in advance.

 


Unfortunately there is no "One Stop" site for it. You need to go to each individual bureau's site and apply the freezes.




EQ FICO 548 3/3/16
Message 10 of 14
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