Freezing Report Question

[j_casteel]

I recently decided to go ahead and freeze my reports. I have had EQ frozen for a while and thawed it temporarily to get my Marriott card, but let it go back to the freezer. I submitted a few things for dispute on my reports that are suppose to have already aged off and decided to go ahead and freeze my TU and EX while I was disputing things as well. I had a complication with TU, it wouldn't allow me to freeze my report because I had "investigations" going on (is that normal?). I was able to freeze EX fine, but I received a letter several day later from them stating they removed me from Experian preapprovals for 5yrs, and to complete the form to be removed permanentely (is this also normal?). I didn't even realize there were EX specific preapprovals, but I guess that would make sense since certain creditors only pull from EX. It's not that big of a deal, but I'm just curious. Also, if I were wanting to opt-back in would I have to do anything special or just use the opt-in site to do so?

Thanks,

j_casteel

[j_casteel]

Anyone?

[j_casteel]

Figured this would be an easy one for the guru's.

[AzaleaB]

I am not a guru but I was in a similar situation sort of and checked some of this out previously...

-I believe that according to the FCRA, when your reports are frozen, the CRAs have to send you a confirmation of the changes to your report in writing and possibly if your reports are unfrozen, they can make changes without a written confirmation. I had a dispute with all three CRAs a couple of years ago and unfroze all of my reports prior to the disputes based on that so that I could get the results electronically..

-I also received a letter from EX about opting out for 5 years last fall. The letter indicated that the 5-year period was ending and I had to respond if I wanted to permanently opt out. I never opted out so I was surprised that this was done by EX. If you post a fraud alert or something, you will be automatically opted out. I believe. I never did and  in my case maybe this was the result of having our SSNs compromised at my job (twice!) and employer actions. Not sure.

I could be wrong about both and maybe one of the gurus will add clarity.